# EDGAR Filing Document

**Accession Number:** 0001556593
**File Stem:** 0001213900-26-008293
**Filing Date:** 2026-1
**Character Count:** 1767005
**Document Hash:** 66a575fbebf7684fc25458ee081bc2ce
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001213900-26-008293.hdr.sgml**: 20260127

**ACCESSION NUMBER**: 0001213900-26-008293

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

**PUBLIC DOCUMENT COUNT**: 50

**CONFORMED PERIOD OF REPORT**: 20260127

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

**FILED AS OF DATE**: 20260127

**DATE AS OF CHANGE**: 20260127

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Rithm Capital Corp.
- **CENTRAL INDEX KEY:** 0001556593
- **STANDARD INDUSTRIAL CLASSIFICATION:** REAL ESTATE INVESTMENT TRUSTS [6798]
- **ORGANIZATION NAME:** 05 Real Estate & Construction
- **EIN:** 453449660
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-07998
- **FILM NUMBER:** 26566683

**BUSINESS ADDRESS:**
- **STREET 1:** 799 BROADWAY
- **CITY:** New York
- **STATE:** NY
- **ZIP:** 10003
- **BUSINESS PHONE:** (212) 850-7770

**MAIL ADDRESS:**
- **STREET 1:** 799 BROADWAY
- **CITY:** New York
- **STATE:** NY
- **ZIP:** 10003

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** New Residential Investment Corp.
- **DATE OF NAME CHANGE:** 20121227

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** New Residential Investment LLC
- **DATE OF NAME CHANGE:** 20121214

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** Spinco Inc.
- **DATE OF NAME CHANGE:** 20120821
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Rithm Capital Corp.
- **CENTRAL INDEX KEY:** 0001556593
- **STANDARD INDUSTRIAL CLASSIFICATION:** REAL ESTATE INVESTMENT TRUSTS [6798]
- **ORGANIZATION NAME:** 05 Real Estate & Construction
- **EIN:** 453449660
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 799 BROADWAY
- **CITY:** New York
- **STATE:** NY
- **ZIP:** 10003
- **BUSINESS PHONE:** (212) 850-7770

**MAIL ADDRESS:**
- **STREET 1:** 799 BROADWAY
- **CITY:** New York
- **STATE:** NY
- **ZIP:** 10003

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** New Residential Investment Corp.
- **DATE OF NAME CHANGE:** 20121227

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** New Residential Investment LLC
- **DATE OF NAME CHANGE:** 20121214

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** Spinco Inc.
- **DATE OF NAME CHANGE:** 20120821
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Rithm Capital Corp.
- **CENTRAL INDEX KEY:** 0001556593
- **STANDARD INDUSTRIAL CLASSIFICATION:** REAL ESTATE INVESTMENT TRUSTS [6798]
- **ORGANIZATION NAME:** 05 Real Estate & Construction
- **EIN:** 453449660
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 799 BROADWAY
- **CITY:** New York
- **STATE:** NY
- **ZIP:** 10003
- **BUSINESS PHONE:** (212) 850-7770

**MAIL ADDRESS:**
- **STREET 1:** 799 BROADWAY
- **CITY:** New York
- **STATE:** NY
- **ZIP:** 10003

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** New Residential Investment Corp.
- **DATE OF NAME CHANGE:** 20121227

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** New Residential Investment LLC
- **DATE OF NAME CHANGE:** 20121214

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** Spinco Inc.
- **DATE OF NAME CHANGE:** 20120821

OMB Number: 3235-0675

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

**FORM ABS-15G**

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

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

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

Date of Report (Date of filing) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

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

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

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

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

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

Central Index Key Number of sponsor: <u>0001556593</u> 

NEW RESIDENTIAL MORTGAGE LOAN TRUST 2026-NQM2

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

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

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

Philip Sivin, 212-798-6100

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

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

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

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

**SIGNATURES**

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

---

| | | |
|:---|:---|:---|
|  | RITHM CAPITAL CORP. | RITHM CAPITAL CORP. |
| Date: January 27, 2026 | By: | /s/ Nicola Santoro, Jr. |
|  | Name: | Nicola Santoro, Jr. |
|  | Title: | Chief Financial Officer |

---

**EXHIBIT INDEX**

<u>Exhibit Number</u>

[99.1 - Third Party Due Diligence Report - Infinity Executive Summary](ea027423201_ex99-1.htm)

[Schedule 1 – Valuation Report](ea027423201_ex99-1sch1.htm)

[Schedule 2 – Rating Agency Grades Report](ea027423201_ex99-1sch2.htm)

[Schedule 3 – Data Compare](ea027423201_ex99-1sch3.htm)

[Schedule 4 – Loan Level Exception Report](ea027423201_ex99-1sch4.htm)

[Schedule 5 – Individual Exception Report](ea027423201_ex99-1sch5.htm)

[99.2 - Third Party Due Diligence Report - Clarifii Executive Summary](ea027423201_ex99-2.htm)

[Schedule 1 – Valuation Report](ea027423201_ex99-2sch1.htm)

[Schedule 2 – Rating Agency Grades Summary](ea027423201_ex99-2sch2.htm)

[Schedule 3 – Rating Agency Grades Detail](ea027423201_ex99-2sch3.htm)

[Schedule 4 – ATR QM Report](ea027423201_ex99-2sch4.htm)

[99.3 - Third Party Due Diligence Report – Consolidated Analytics Executive Summary](ea027423201_ex99-3.htm)

[Schedule 1 – Rating Agency Grades Report](ea027423201_ex99-3sch1.htm)

[Schedule 2 – Due Diligence Standard Report](ea027423201_ex99-3sch2.htm)

[Schedule 3 – Valuation Report](ea027423201_ex99-3sch3.htm)

[Schedule 4 – Data Compare](ea027423201_ex99-3sch4.htm)

[99.4 - Third Party Due Diligence Report - Opus Executive Summary](ea027423201_ex99-4.htm)

[Schedule 1 – Valuation Report](ea027423201_ex99-4sch1.htm)

[Schedule 2 – Rating Agency Grades Summary](ea027423201_ex99-4sch2.htm)

[Schedule 3 – Business Purpose Supplemental Extract](ea027423201_ex99-4sch3.htm)

[Schedule 4 – Standard Findings Report](ea027423201_ex99-4sch4.htm)

[Schedule 5 – Data Compare](ea027423201_ex99-4sch5.htm)

[Schedule 6 – ATR QM Report](ea027423201_ex99-4sch6.htm)

[99.5 - Third Party Due Diligence Report – Clayton Executive Summary](ea027423201_ex99-5.htm)

[Schedule 1 – Valuations Summary](ea027423201_ex99-5sch1.htm)

[Schedule 2 – Non ATR QM Report](ea027423201_ex99-5sch2.htm)

[Schedule 3 – Conditions Detail](ea027423201_ex99-5sch3.htm)

[Schedule 4 – Rating Agency ATR QM Report](ea027423201_ex99-5sch4.htm)

[Schedule 5 – Loan Level Tape Compare](ea027423201_ex99-5sch5.htm)

[Schedule 6 – Loan Grades](ea027423201_ex99-5sch6.htm)

[99.6 - Third Party Due Diligence Report – Canopy Executive Summary](ea027423201_ex99-6.htm)

[Schedule 1 – Valuation Report](ea027423201_ex99-6sch1.htm)

[Schedule 2 – Business Purpose Supplemental Extract](ea027423201_ex99-6sch2.htm)

[Schedule 3 – Rating Agency Grades Detail](ea027423201_ex99-6sch3.htm)

[Schedule 4 – ATR QM Report](ea027423201_ex99-6sch4.htm)

[Schedule 5 – Data Compare](ea027423201_ex99-6sch5.htm)

[Schedule 6 – Rating Agency Grades Summary](ea027423201_ex99-6sch6.htm)

## Exhibit 99.1

**Exhibit 99.1**

![](ex99-1_002.jpg)

![](ex99-1_001.jpg)

**EXECUTIVE SUMMARY**

**NRMLT 2026-NQM2**

**January 21, 2026**

**INFINITY INTERNATIONAL PROCESSING SERVICES, INC.**

0 \| P a g e

![](ex99-1_002.jpg)

**TABLE OF CONTENTS**

---

| | |
|:---|:---|
| Infinity Biography | 2.0 |
| Description of the due diligence performed | 3.0 |
| Summary of findings and conclusions of review | 16.0 |
| Tape Integrity Review Results Summary | 17.0 |
| Additional Loan Population Summary | 17.0 |

---

1 \| P a g e

![](ex99-1_002.jpg)

**INFINITY BIOGRAPHY**

Infinity IPS, Inc. is a privately held firm offering trusted financial products and services to capital markets participants. Founded in 2003, by a group of experienced mortgage due diligence executives, Infinity was started with a simple mission: To provide an independent, innovative, reliable and transparent work product, backed by an unsurpassed level of customer service. As a third-party reviewer, our independence, integrity, depth of expertise, and approach to due diligence and credit risk management provides clients the highest degree of hands-on oversight and participation when buying or selling pools, securitizing loans, or managing loans and securitizations over time.

Our rigorous, high touch approach to due diligence reviews provides all data necessary in the provision of an asset due diligence, risk retention, loss mitigation and forensic analysis services for all classes or mortgage products, consumer lending products, and more. Our mission is to provide an independent, innovative, reliable and transparent work product, backed by an unsurpassed level of customer service.

As a rating agency reviewed third-party due diligence provider, Infinity prides itself on meeting the standards of S&P, Fitch, Kroll, Moody's and DBRS Morningstar. Infinity is a privately-owned business and is headquartered in Rockville, MD with an underwriting facility in Tampa, FL.

2 \| P a g e

![](ex99-1_002.jpg)

**DESESCRIPTION OF THE DUE DILIGENCE PERFORMED**

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

Infinity IPS, Inc. ("Infinity") performed due diligence services as described below (the "Review"). All of these mortgage loans, which were originated by multiple parties, were purchased by Rithm Capital Corp. ("Client") and were reviewed by Infinity on behalf of the Client. The mortgage loans were reviewed via files imaged and provided by the Client.

The Review population is comprised of four hundred and sixty-six (466) mortgage loans that were originally reviewed from August 2025 to December 2025.

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

The mortgage loan review was broken down into the following review scopes:

▪ "Compliance Review" 242<sup>1</sup> Mortgage Loans

▪ "Credit Review" 466 Mortgage Loans

▪ "Property Review" 466 Mortgage Loans

▪ "Data Integrity" 466 Mortgage Loans

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

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

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

For four hundred and sixty-six (466) mortgage loans, Infinity compared data fields on the data tape provided by Client to the data found in the actual file as captured by Infinity. This comparison, when data was available, included the following data fields:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Last Name | &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;Sale Price |
| &nbsp;&nbsp;First Name | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;IO Term | &nbsp;&nbsp;LTV |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Original Rate | &nbsp;&nbsp;PP Terms | &nbsp;&nbsp;CLTV |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;PP Months | &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Address | &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;Next Rate Change Date | &nbsp;&nbsp;Current P&I |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Margin | &nbsp;&nbsp;First Payment Change Date | &nbsp;&nbsp;Rate Index |
| &nbsp;&nbsp;State | &nbsp;&nbsp;1st Rate Change Date | &nbsp;&nbsp;Next Payment Change Date | &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;Prepay Months | &nbsp;&nbsp;Reset Frequency | &nbsp;&nbsp;Deferred Balance |
| &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;Next Due Date | &nbsp;&nbsp;Rounding Code | &nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Property Units | &nbsp;&nbsp;Look back Period | &nbsp;&nbsp;Borrower SSN |
| &nbsp;&nbsp;Credit Score | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Initial Roll Cap | &nbsp;&nbsp;Co-Borrower SSN |
| &nbsp;&nbsp;DTI | &nbsp;&nbsp;Mod Flag | &nbsp;&nbsp;Periodic Rate Cap |  |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;Mod Date | &nbsp;&nbsp;Life Rate Cap |  |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Current Rate | &nbsp;&nbsp;Life Rate Floor |  |

---

<sup>1</sup> Two hundred and twenty-four (224) exempt loans were not subject to a compliance review and did not receive a compliance grade.

3 \| P a g e

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

![](ex99-1_002.jpg)

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

Infinity conducted a credit review for four hundred and sixty-six (466) mortgage loans. At that time, Infinity reviewed the asset origination to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements, including, as applicable, the Ability to Repay and Qualified Mortgage requirements described below, that were provided to Infinity and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

There were 25 sets of guidelines provided for the review. Each loan was reviewed to the specific guideline provided on the loan approval. Please refer the Exhibit A.

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

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

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

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

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

4 \| P a g e

![](ex99-1_002.jpg)

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

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

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

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

**Title Review:** Infinity's review included a verification of whether the appropriate vestee was on the title documentation (if a purchase, the seller; if a refinance, the borrower) and that the title commitment addressed issues such as assessments; covenants, conditions and restrictions; access problems; vicinity of property to military airports; prior leases; court orders/divorce decrees; public probate issues; foreclosures; bankruptcies; judgment liens; state and federal tax liens; environmental liens, and oil/gas leases.

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

5 \| P a g e

![](ex99-1_002.jpg)

**Business Purpose/DSCR Scope:** Infinity conducted a business purpose/property focused Investor review for one hundred and sixty-six (166) mortgage loans with DSCR calculation. There were no mortgage loans that were classified as No Ratio loans with no DSCR calculation.

Each loan, reviewed under this scope, was reviewed for adherence to the relevant credit policy as indicated by the Client. During the course of this review, Infinity (i) reviewed the provided Note, Mortgage/DOT, and Guaranty Agreement(s) to confirm execution, adherence to the credit policy, and agreement with other Loan Approval documentation, (ii) examined appraisal reports, BPO's, and appraisal reviews to determine if the property type was consistent with underwritten property type and usage (such as evidence of either owner or tenant occupancy) and compared this information against other relevant information contained within applicable sections of the loan file to evaluate consistency, accuracy, and adherence to the credit policy, (iii) reviewed environmental reporting, Flood Certification, and Evidence of Insurance to confirm accuracy and adherence to credit policy requirements, (iv) reviewed credit reporting, VOR/VOM, Background Check(s), and any applicable Letter(s) of Explanation to confirm accuracy, adherence to credit policy requirements, and consistency with the Final Loan Approval worksheet, (v) reviewed HUD-1's, Title Search, Purchase Agreements, existing leases/rent rolls, and verification of funds with loan terms, and underwritten approved terms and amounts/LTV/LTC as well as adherence to credit policy requirements, (vi) reviewed LOI/LOE(s) for presence of un-qualified statement of business and occupancy intent, confirmation that the LOI/LOE cited address is consistent with the subject property address, and that signatory(s) are consistent with the identified borrower(s)/guarantor(s), (vii) reviewed Final Form 1003/Loan application to ensure complete execution that the subject property listed is consistent with the subject property, and that the listed residence for the Individual(s) is an address other than the subject property, (viii) confirmed, if applicable, business license(s) and P&L's are present, valid, and adhere to credit policy requirements, (ix) confirmed, if applicable, second mortgage documents are present, valid, align with approved terms amounts, and adhere to credit policy requirements, (x) reviewed final loan approval worksheets for accuracy, completion, documentation of approval for any exceptions, and evaluating such items for agreement/consistency with all other documentation contained in the review file (xi) reviewed the Certification of Business Purpose and Certification of Non-Owner Occupancy and Indemnity for presence of completed fields and verifying that the handwritten Primary Residence address differs from the subject property address and is signed/dated as required (xii) verified presence of a complete Certification of Non-Owner Occupancy and Indemnity document for each individual borrower/co-borrower/guarantor identified within the subject note/guaranty agreement, including the presence of either individual certifications or one certificate containing all required signatures, (xiii) compared the Primary Residence address(es) listed for consistency between the Final Form 1003/Loan application(s) and the Certification(s) of Non-Owner Occupancy and Indemnity, (xv) documented any non-approved credit policy exceptions and/or inconsistencies and reporting and/or marking such items for further dialogue, (xvi) gathered the components of the DSCR from source documentation provided in the loan file during the course of the review. Where applicable, Infinity sums per the guidelines the principal and interest payment as well as the tax, insurance and HOA payment to arrive at a monthly property expense. This number is used as the denominator to the monthly lease or estimated lease income as per the guidelines.

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

Infinity conducted a review of the value of the underlying collateral at the time of its initial review for four hundred and sixty-six (466) mortgage loans. For these four hundred and sixty-six (466) mortgage loans, Infinity reviewed the mortgage loans to ensure the value of the collateral securing the assets met applicable underwriting guidelines.

6 \| P a g e

![](ex99-1_002.jpg)

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

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

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

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

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

Infinity completed a Compliance Review on two hundred and forty-two (242) mortgage loans. Please be advised that Infinity did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with applicable law and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Infinity are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Infinity is relying in reaching such findings.

7 \| P a g e

![](ex99-1_002.jpg)

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

&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;

8 \| P a g e

![](ex99-1_002.jpg)

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

9 \| P a g e

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

![](ex99-1_002.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

10 \| P a g e

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

![](ex99-1_002.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

11 \| P a g e

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

![](ex99-1_002.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)).

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

 

*<u>Qualified Mortgage</u>*

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

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

12 \| P a g e

![](ex99-1_002.jpg)

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

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

 

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

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

 

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

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

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

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

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

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

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

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

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

13 \| P a g e

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

![](ex99-1_002.jpg)

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

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

**(X) Recording Review**

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

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

**(XI) FIRREA Review**

Infinity confirmed that the appraiser and the appraisal made by such appraiser both satisfied the pr industry standards, including ensuring the appraisal was complete, that the comparable properties and adjustments were reasonable and that pictures were provided and were accurate.

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

**(XII) Document Review**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final 1003;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

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

14 \| P a g e

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

![](ex99-1_002.jpg)

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final TIL;

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

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

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

15 \| P a g e

![](ex99-1_002.jpg)

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

The nationally recognized statistical rating organization ("NRSRO") criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs listed in Item 3 of the ABS Due Diligence 15E, Kroll Bond Rating Agency, LLC ("KBRA") and Fitch Ratings, Inc. ("Fitch").

**OVERALL RESULTS SUMMARY (466 MORTGAGE LOANS)**

Infinity's review to NRSRO grading requirements covers four hundred and sixty-six (466) mortgage loans. Within those mortgage loans, Infinity graded four hundred and twenty-six (426) mortgage loans as "A" and forty (40) mortgage loans as "B".

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**KBRA Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** |
| &nbsp;&nbsp;**KBRA Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;242 | &nbsp;&nbsp;428 | &nbsp;&nbsp;464 | &nbsp;&nbsp;426 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;38 | &nbsp;&nbsp;2 | &nbsp;&nbsp;40 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**KBRA Grade** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;**KBRA Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;91.85% | &nbsp;&nbsp;99.57% | &nbsp;&nbsp;91.42% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;8.15% | &nbsp;&nbsp;0.43% | &nbsp;&nbsp;8.58% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** |
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;242 | &nbsp;&nbsp;428 | &nbsp;&nbsp;464 | &nbsp;&nbsp;426 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;38 | &nbsp;&nbsp;2 | &nbsp;&nbsp;40 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;91.85% | &nbsp;&nbsp;99.57% | &nbsp;&nbsp;91.42% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;8.15% | &nbsp;&nbsp;0.43% | &nbsp;&nbsp;8.58% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |

---

16 \| P a g e

![](ex99-1_002.jpg)

**TAPE INTEGRITY REVIEW RESULTS SUMMARY (466 MORTGAGE LOANS)**

Of the four hundred and sixty-six (466) mortgage loans reviewed, 28 (6.01%) mortgage loans had tape discrepancies across two (2) unique data fields.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# of Variances** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;4 | &nbsp;&nbsp;466 | &nbsp;&nbsp;0.86% |
| &nbsp;&nbsp;Residual Income | &nbsp;&nbsp;24 | &nbsp;&nbsp;466 | &nbsp;&nbsp;5.15% |

---

**ADDITIONAL LOAN POPULATION SUMMARY (466 MORTGAGE LOANS)**

\* Total may not sum to total due to rounding.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original<br> Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;463 | &nbsp;&nbsp;99.36% | &nbsp;&nbsp;$262120639.00 | &nbsp;&nbsp;99.13% |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.64% | &nbsp;&nbsp;$2294001.00 | &nbsp;&nbsp;0.87% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**466** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$264414640.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original<br> Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;466 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$264414640.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**466** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$264414640.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original<br> Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi- purpose/Unknown | &nbsp;&nbsp;105 | &nbsp;&nbsp;22.53% | &nbsp;&nbsp;$47519713.00 | &nbsp;&nbsp;17.97% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;51 | &nbsp;&nbsp;10.94% | &nbsp;&nbsp;$30902935.00 | &nbsp;&nbsp;11.69% |
| &nbsp;&nbsp;Other than first time Home Purchase | &nbsp;&nbsp;246 | &nbsp;&nbsp;52.79% | &nbsp;&nbsp;$130315598.00 | &nbsp;&nbsp;49.28% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower initiated | &nbsp;&nbsp;64 | &nbsp;&nbsp;13.73% | &nbsp;&nbsp;$55676394.00 | &nbsp;&nbsp;21.06% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**466** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$264414640.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Amortization Term** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original<br> Balance** |
| &nbsp;&nbsp;240 Months | &nbsp;&nbsp;28 | &nbsp;&nbsp;6.01% | &nbsp;&nbsp;$15910158.00 | &nbsp;&nbsp;6.02% |
| &nbsp;&nbsp;360 Months | &nbsp;&nbsp;438 | &nbsp;&nbsp;93.99% | &nbsp;&nbsp;$248504482.00 | &nbsp;&nbsp;93.98% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**466** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$264414640.00** | &nbsp;&nbsp;**100.00%** |

---

17 \| P a g e

![](ex99-1_002.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original<br> Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;222 | &nbsp;&nbsp;47.64% | &nbsp;&nbsp;$171804643.00 | &nbsp;&nbsp;64.98% |
| &nbsp;&nbsp;Secondary | &nbsp;&nbsp;19 | &nbsp;&nbsp;4.08% | &nbsp;&nbsp;$11281912.00 | &nbsp;&nbsp;4.27% |
| &nbsp;&nbsp;Investor | &nbsp;&nbsp;225 | &nbsp;&nbsp;48.28% | &nbsp;&nbsp;$81328085.00 | &nbsp;&nbsp;30.76% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**466** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$264414640.00** | &nbsp;&nbsp;**100.00%** |

---

**Exhibit A**

---

| |
|:---|
| &nbsp;&nbsp;**Guidelines** |
| &nbsp;&nbsp;Correspondent SmartEdge Product Profile 7-24-25.pdf |
| &nbsp;&nbsp;Correspondent SmartSelf Product Profile 7-24-25.pdf |
| &nbsp;&nbsp;Correspondent SmartVest Product Profile 7-30-25.pdf |
| &nbsp;&nbsp;Newrez SmartEdge Product Summary 4-24-25.pdf |
| &nbsp;&nbsp;Newrez SmartEdge Product Summary 7-24-25.pdf |
| &nbsp;&nbsp;Newrez SmartSelf Bank Statement and 1099 Product Summary 4-24-25.pdf |
| &nbsp;&nbsp;Newrez SmartSelf Bank Statement, 1099 and P&L Product Summary 7-24-25.pdf |
| &nbsp;&nbsp;Newrez SmartVest Product Summary 4-24-25.pdf |
| &nbsp;&nbsp;Newrez SmartVest Product Summary 7-30-25.pdf |
| &nbsp;&nbsp;RTL DTC JV WHL SmartVest Platinum Summary (9.25.2025 v25.11).docx |
| &nbsp;&nbsp;RTL DTC JV WHL SmartVest Product Summary (9.25.2025 v25.12).docx |
| &nbsp;&nbsp;RTL JV DTC WHL SmartEdge Product Summary (9.25.2025 v25.8).docx |
| &nbsp;&nbsp;SmartEdge Product Profile 5-30-25 - Correspondent only.pdf |
| &nbsp;&nbsp;SmartEdge Product Profile Correspondent 8-28-25.pdf |
| &nbsp;&nbsp;SmartEdge Product Summary 5-30-25.pdf |
| &nbsp;&nbsp;SmartSelf Bank Statement and 1099 Product Summary 01-23-25.pdf |
| &nbsp;&nbsp;SmartSelf Bank Statement, 1099 and P&L Product Summary 5-30-25.pdf |
| &nbsp;&nbsp;SmartSelf Bank Statement, 1099 and P&L Product Summary Newrez 9-25-25.pdf |
| &nbsp;&nbsp;SmartSelf Product Profile 5-30-25 - Correspondent only.pdf |
| &nbsp;&nbsp;SmartSelf Product Summary - Correspondent 8-28-25.pdf |
| &nbsp;&nbsp;SmartSelf Product Summary Correspondent 4-24-25.pdf |
| &nbsp;&nbsp;SmartVest Product Profile 5-30-25 - Correspondent only.pdf |
| &nbsp;&nbsp;SmartVest Product Summary 5-30-25.pdf |
| &nbsp;&nbsp;SmartVest Product Summary 9-5-25 - Newrez.pdf |
| &nbsp;&nbsp;SmartVest Product Summary Correspondent 8-28-25.pdf |

---

18 \| P a g e

## Exhibit 99.1

**Exhibit 99.1 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **AGENCY DATA** | **AGENCY DATA** | **AGENCY DATA** |
| Marketing ID | **Infinity Loan ID** | **Loan Number** | **Loan Number 2** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for CLTV** | **Appraisal Date** | **Appraisal Type** | **AVM Value** | **Variance $** | **Variance %** | **AVM Company** | **AVM FSD Score** | **AVM Effective Date** | **Desk Value** | **Variance $** | **Variance %** | **Desk Company** | **Desk Report Date** | **BPO As-Is Value** | **Variance $** | **Variance %** | **BPO Company** | **BPO Inspection Date** | **FR Value** | **Variance $** | **Variance %** | **FR Company** | **FR Report Date** | **2nd Appraisal Value** | **Variance $** | **Variance %** | **2nd Appraisal Company** | **2nd Appraisal Date** | **Eligible for Rep/Warrant Relief** | **LCA Risk Score** | **CU Score** |
| 10 | XX | XX |  | XX | XX | XX | XX | XX | 06/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 1 |
| 15 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 07/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 17 | XX | XX |  | XX | XX | XX | XX | XX | 06/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| 18 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1.9 |
| 20 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1.6 |
| 21 | XX | XX |  | XX | XX | XX | XX | XX | 07/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 23 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 3.3 |
| 25 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 4.9 |
| 26 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1.4 |
| 27 | XX | XX |  | XX | XX | XX | XX | XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1.3 |
| 28 | XX | XX |  | XX | XX | XX | XX | XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1.3 |
| 29 | XX | XX |  | XX | XX | XX | XX | XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 4.8 |
| 31 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.1 |
| 32 | XX | XX |  | XX | XX | XX | XX | XX | 08/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 3 |
| 34 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 35 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 43 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 | No | 3 | 2.6 |
| 45 | XX | XX |  | XX | XX | XX | XX | XX | 08/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 48 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | 3.6 |
| 49 | XX | XX |  | XX | XX | XX | XX | XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 50 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.1 |
| 52 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 56 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | 3 |
| 59 | XX | XX |  | XX | XX | XX | XX | XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 | No | Unavailable | 1 |
| 60 | XX | XX |  | XX | XX | XX | XX | XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.6 |
| 62 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 3.8 |
| 66 | XX | XX |  | XX | XX | XX | XX | XX | 08/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 67 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 68 | XX | XX |  | XX | XX | XX | XX | XX | 08/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 5 |
| 69 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 72 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 4.3 |
| 74 | XX | XX |  | XX | XX | XX | XX | XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 77 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 3.9 |
| 78 | XX | XX |  | XX | XX | XX | XX | XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.2 |
| 79 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | -7.234% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 82 | XX | XX |  | XX | XX | XX | XX | XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 3.6 |
| 84 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 86 | XX | XX |  | XX | XX | XX | XX | XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 2.6 |
| 87 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | 1.467% | XX | 09/XX/2025 | No | 5 | 2.1 |
| 89 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | 0.823% | XX | 09/XX/2025 | No | 4 | 4.7 |
| 93 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.1 |
| 96 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | 2 |
| 97 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1.8 |
| 99 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.8 |
| 101 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1.4 |
| 102 | XX | XX |  | XX | XX | XX | XX | XX | 08/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 103 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 105 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 5 |
| 106 | XX | XX |  | XX | XX | XX | XX | XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.6 |
| 107 | XX | XX |  | XX | XX | XX | XX | XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 4 |
| 108 | XX | XX |  | XX | XX | XX | XX | XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 111 | XX | XX |  | XX | XX | XX | XX | XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | -8.444% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 117 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 3.1 |
| 118 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.1 |
| 120 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 2.3 |
| 124 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 3.9 |
| 125 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 5 |
| 126 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 08/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |
| 127 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 131 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |
| 132 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 2.1 |
| 133 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.7 |
| 135 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | 1 |
| 138 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1073 Condominiums | XX | XX | -42.994% | XX | 78 | 09/XX/2025 | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 2.7 |
| 140 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 141 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | 1.563% | XX | 09/XX/2025 | No | 3.5 | 1.2 |
| 146 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |
| 150 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.1 |
| 152 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 156 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2.6 |
| 157 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 3.9 |
| 159 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.6 |
| 160 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 165 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 169 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | 1 |
| 173 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 175 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.6 |
| 177 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 178 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 10/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 179 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 10/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | 0.756% | XX | 10/XX/2025 | No | Not Applicable | Not Applicable |
| 180 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 181 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 2.6 |
| 182 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 2.6 |
| 183 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 4.5 |
| 184 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1.9 |
| 185 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | -8.824% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 186 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | XX | -9.524% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 2.9 |
| 188 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 189 | XX | XX |  | XX | XX | XX | XX | XX | 08/XX/2025 | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | 9.722% | XX | 09/XX/2025 | No | Not Applicable | 4.1 |
| 192 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 1 |
| 196 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 198 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1.4 |
| 199 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 201 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 202 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 203 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 208 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 5 |
| 209 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 2.5 |
| 210 | XX | XX |  | XX | XX | XX | XX | XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 214 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 216 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 2.1 |
| 217 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | 1.862% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 218 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 219 | XX | XX |  | XX | XX | XX | XX | XX | 11/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 220 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 221 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 222 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 4.3 |
| 223 | XX | XX |  | XX | XX | XX | XX | XX | 11/XX/2025 | 1004 Residential Appraisal | XX | XX | -1.589% | XX | Not Applicable | 10/XX/2025 | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 224 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| 228 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | 1.9 |
| 229 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | 1 |
| 233 | XX | XX |  | XX | XX | XX | XX | XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | 3.7 |
| 234 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | 1 |
| 236 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 2.5 |
| 237 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | XX | -6.452% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 240 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| 242 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 2 |
| 244 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 245 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1 |
| 246 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | 1.458% | XX | 09/XX/2025 | No | 4 | 2.4 |
| 247 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 249 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 2.7 |
| 251 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 252 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | -12.400% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  | XX | XX | 4.000% | XX | 09/XX/2025 | No | 4 | 1 |
| 253 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1 |
| 254 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 256 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1 |
| 257 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1.2 |
| 258 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | -7.692% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | 1.4 |
| 259 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | XX | -8.989% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 2.6 |
| 260 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | 10.000% | XX | 09/XX/2025 | No | 4.5 | 4.8 |
| 261 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | 0.063% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 2.8 |
| 262 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 263 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 265 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.6 |
| 267 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 4.6 |
| 268 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 10/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  | XX | XX | -5.435% | XX | 10/XX/2025 | No | Not Applicable | Not Applicable |
| 269 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.4 |
| 270 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1.7 |
| 271 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 4.1 |
| 273 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 275 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 276 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 277 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 281 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 282 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |
| 283 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 284 | XX | XX |  | XX | XX | XX | XX | XX | 08/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 286 | XX | XX |  | XX | XX | XX | XX | XX | 11/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 2.3 |
| 287 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 288 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 289 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 4.4 |
| 291 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 2.3 |
| 292 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 293 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 11/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 295 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | 25.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.6 |
| 297 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 298 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | XX | -5.882% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 302 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 303 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 306 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 2.6 |
| 307 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 3.1 |
| 310 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.6 |
| 312 | XX | XX |  | XX | XX | XX | XX | XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 313 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1.5 |
| 316 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 5 |
| 318 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 5 |
| 320 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | -9.091% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 4.9 |
| 322 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 2.1 |
| 324 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 325 | XX | XX |  | XX | XX | XX | XX | XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1.5 |
| 326 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | 11.500% | XX | 09/XX/2025 | No | 4 | 4.2 |
| 328 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 11/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1.4 |
| 329 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.7 |
| 330 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | 2.5 |
| 332 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | 1.316% | XX | 09/XX/2025 | No | 4.5 | 3.2 |
| 333 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 4 |
| 334 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 337 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 10/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 338 | XX | XX |  | XX | XX | XX | XX | XX | 11/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 4.1 |
| 341 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 342 | XX | XX |  | XX | XX | XX | XX | XX | 08/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |
| 343 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1.5 |
| 347 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 2.8 |
| 348 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 3.7 |
| 349 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1.4 |
| 350 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | -0.433% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  | XX | XX | -0.433% | XX | 10/XX/2025 | Yes | 2 | 2.6 |
| 351 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 352 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | 0.954% | XX | 09/XX/2025 | Not Applicable | Not Applicable | 3.5 |
| 353 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 355 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1.4 |
| 358 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 359 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |
| 361 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 362 | XX | XX |  | XX | XX | XX | XX | XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 364 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Not Applicable |
| 366 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 368 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 369 | XX | XX |  | XX | XX | XX | XX | XX | 11/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 370 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | XX | -7.692% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 372 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 373 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 375 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 377 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 2 |
| 378 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 379 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | 1 |
| 381 | XX | XX |  | XX | XX | XX | XX | XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.4 |
| 382 | XX | XX |  | XX | XX | XX | XX | XX | 08/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | XX | -4.167% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 384 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1.2 |
| 385 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 1.8 |
| 386 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 3.8 |
| 387 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 5 |
| 388 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | 13.889% | XX | 09/XX/2025 | No | Unavailable | Unavailable |
| 389 | XX | XX |  | XX | XX | XX | XX | XX | 05/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 390 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 3.5 |
| 391 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1 |
| 392 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 2.6 |
| 393 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 4.2 |
| 395 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 396 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 398 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 3.1 |
| 399 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 401 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 402 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 5 |
| 403 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 404 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 405 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | -15.556% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | 2.7 |
| 406 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 3.3 |
| 407 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 411 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | 3.175% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.1 |
| 412 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1 |
| 414 | XX | XX |  | XX | XX | XX | XX | XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 418 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1.7 |
| 420 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 10/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 421 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1 |
| 423 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 425 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | 2.869% | XX | 07/XX/2025 | No | 4 | 3.2 |
| 426 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 2.6 |
| 427 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 2.6 |
| 428 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 10/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 429 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 432 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 434 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 435 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1.3 |
| 437 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 438 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | 3.3 |
| 441 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 2.6 |
| 442 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 447 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 450 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 451 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 452 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 453 | XX | XX |  | XX | XX | XX | XX | XX | 11/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 455 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 457 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 458 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| 462 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1.2 |
| 465 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 2.3 |
| 466 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.2 |
| 467 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 3.4 |
| 471 | XX | XX |  | XX | XX | XX | XX | XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 3.2 |
| 473 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| 475 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 2.8 |
| 478 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.1 |
| 479 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 10/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 5 |
| 485 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 488 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | -7.953% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1.9 |
| 489 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 493 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 494 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1.3 |
| 495 | XX | XX |  | XX | XX | XX | XX | XX | 11/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 496 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1 |
| 497 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 2.3 |
| 500 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 502 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | -6.250% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 2.5 |
| 503 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 1.1 |
| 505 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 08/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |
| 506 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.6 |
| 508 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2 |
| 511 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 5 |
| 512 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 2.6 |
| 513 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 3.1 |
| 514 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1.2 |
| 515 | XX | XX |  | XX | XX | XX | XX | XX | 08/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 517 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 518 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | 0.224% | XX | 09/XX/2025 | Yes | 1 | 1 |
| 520 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.2 |
| 521 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.6 |
| 523 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 3.2 |
| 527 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 528 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| 529 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 530 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 1 |
| 531 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 2.6 |
| 533 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 534 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 538 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| 539 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.6 |
| 540 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Unavailable |
| 543 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 2 |
| 545 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.6 |
| 546 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 547 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 548 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 3 |
| 553 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 1.7 |
| 555 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.2 |
| 556 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 557 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 559 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2.5 |
| 561 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1 |
| 562 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 563 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 564 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 565 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | -6.667% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.4 |
| 570 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 3.5 |
| 572 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 3.9 |
| 573 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | 1 |
| 574 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 576 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 2.2 |
| 578 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 579 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 580 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 582 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | XX | -12.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  | XX | XX | 8.000% | XX | 11/XX/2025 | No | Not Applicable | Not Applicable |
| 583 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 584 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 585 | XX | XX |  | XX | XX | XX | XX | XX | 08/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 587 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 588 | XX | XX |  | XX | XX | XX | XX | XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1.1 |
| 589 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 2.1 |
| 590 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 591 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.7 |
| 592 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | -23.611% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  | XX | XX | 0.833% | XX | 09/XX/2025 | No | 3.5 | 2.3 |
| 593 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | -8.163% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | 3.9 |
| 597 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| 600 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 10/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 601 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 604 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 606 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 607 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 609 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 610 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 612 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1.8 |
| 613 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 615 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| Removed from deal | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 3.4 |
| 621 | XX | XX |  | XX | XX | XX | XX | XX | 11/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 623 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 624 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 625 | XX | XX |  | XX | XX | XX | XX | XX | 08/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Not Applicable |
| 626 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 2.3 |
| 627 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  | XX | XX | -1.604% | XX | 10/XX/2025 | Yes | 2 | 1 |
| 628 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 4.6 |
| 629 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 632 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 10/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1.3 |
| 633 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 634 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 635 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 637 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 638 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 3.3 |
| 639 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 | No | 4.5 | 1 |
| 644 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1.3 |
| 645 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.2 |
| 647 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | 2.3 |
| 648 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 3.5 |
| 649 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 650 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 11/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2.8 |
| 651 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | -0.169% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 652 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 653 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1 |
| 654 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 2.8 |
| 657 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 1 |
| 659 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.1 |
| 660 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2 |
| 662 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 10/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.7 |
| 664 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 665 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 06/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 666 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 667 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 668 | XX | XX |  | XX | XX | XX | XX | XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1 |
| 670 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 3.5 |
| 674 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 676 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| 678 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.6 |
| 680 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 10/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 681 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 10/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 682 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  | XX | XX | -2.542% | XX | 10/XX/2025 | Yes | 2 | 1 |
| 683 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1.1 |
| 684 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 3.9 |
| 685 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.6 |
| 686 | XX | XX |  | XX | XX | XX | XX | XX | 11/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 687 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 688 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |
| 689 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 692 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1.6 |
| 694 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 695 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 696 | XX | XX |  | XX | XX | XX | XX | XX | 11/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 697 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 698 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 4.4 |
| 699 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 700 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | 2.732% | XX | 09/XX/2025 | No | Not Applicable | Not Applicable |
| 702 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 705 | XX | XX |  | XX | XX | XX | XX | XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | 1.9 |
| 706 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 08/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 707 | XX | XX |  | XX | XX | XX | XX | XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 08/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2 |
| 708 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1 |
| 709 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1.1 |
| 710 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 712 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |
| 713 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | 0.577% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  | XX | XX | 0.577% | XX | 09/XX/2025 | No | 4 | 1.5 |
| 714 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 04/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | 2.459% | XX | 06/XX/2025 | No | Not Applicable | Not Applicable |
| 715 | XX | XX |  | XX | XX | XX | XX | XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | -7.216% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 2.6 |
| 716 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.8 |
| 717 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1.2 |
| 718 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 719 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 3.3 |
| 720 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 721 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| 724 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.8 |
| 725 | XX | XX |  | XX | XX | XX | XX | XX | 11/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2.5 |
| 727 | XX | XX |  | XX | XX | XX | XX | XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | XX | -5.263% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 729 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 730 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 731 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 733 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 735 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 4.4 |
| 736 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 738 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1.2 |
| 739 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 3.7 |
| 740 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | 4.167% | XX | 09/XX/2025 | No | Not Applicable | 2.3 |
| 741 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 744 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.9 |
| 745 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 3.4 |
| 749 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1.7 |
| 751 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 752 | XX | XX |  | XX | XX | XX | XX | XX | 08/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 756 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 757 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 758 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 4.2 |
| 759 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 07/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 4.6 |
| 760 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 761 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1.5 |
| 762 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 2.4 |
| 765 | XX | XX |  | XX | XX | XX | XX | XX | 11/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 766 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 772 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 774 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 775 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 782 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 3.9 |
| 783 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 785 | XX | XX |  | XX | XX | XX | XX | XX | 07/XX/2025 | 2090 Individual Cooperative Interest Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 788 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1 |
| 790 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.6 |
| 795 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 797 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 10/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 798 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1 |
| 800 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 802 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 10/XX/2025 | 1073 Condominiums |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.5 |
| 806 | XX | XX |  | XX | XX | XX | XX | XX | 11/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2.4 |
| 813 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 815 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1 |
| 816 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 6/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | XX | -10.000% | XX | 06/XX/2025 |  |  |  |  |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 | No | Not Applicable | Not Applicable |
| 822 | XX | XX |  | XX | XX | XX | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 823 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1025 2-4 Family Property |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 825 | XX | XX |  | XX | XX | XX | XX | XX | 09/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1.6 |
| 826 | XX | XX |  | XX | XX | Not Applicable | XX | XX | 10/XX/2025 | 1004 Residential Appraisal |  |  |  |  |  |  | XX | $0.00 | 0.000% | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1 |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Infinity Loan ID** | **Loan Number** | **Original Loan Amount** | **State** | **Note Date** | **Occupancy** | **Purpose** | **Final Overall Compliance Grade** | **DBRS INITIAL Compliance Grade** | **DBRS FINAL Compliance Grade** | **FITCH INITIAL Compliance Grade** | **FITCH FINAL Compliance Grade** | **KROLL INITIAL Compliance Grade** | **KROLL FINAL Compliance Grade** | **MOODY's INITIAL Compliance Grade** | **MOODY's FINAL Compliance Grade** | **S&P INITIAL Compliance Grade** | **S&P FINAL Compliance Grade** |
| 228 | XX | XX | XX | Texas | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 77 | XX | XX | XX | Montana | XX | Primary | Purchase B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 523 | XX | XX | XX | Florida | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 721 | XX | XX | XX | Pennsylvania | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 17 | XX | XX | XX | California | XX | Primary | Purchase A | A C D | C | A C D | C | A C D | C | A C D | C | A C D | C | A |
| 26 | XX | XX | XX | Texas | XX | Primary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D | A | A D |
| 698 | XX | XX | XX | Florida | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 653 | XX | XX | XX | Texas | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 757 | XX | XX | XX | New Jersey | XX | Primary | Purchase B | A C B | C | A C B | C | A C B | C | A C B | C | A C B | C | A |
| 107 | XX | XX | XX | Florida | XX | Secondary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 528 | XX | XX | XX | Texas | XX | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 665 | XX | XX | XX | Texas | XX | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 515 | XX | XX | XX | New York | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 329 | XX | XX | XX | Tennessee | XX | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 210 | XX | XX | XX | New York | XX | Primary | Purchase B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 342 | XX | XX | XX | New York | XX | Primary | Purchase B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 744 | XX | XX | XX | Utah | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 59 | XX | XX | XX | North Carolina | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 632 | XX | XX | XX | New Jersey | XX | Secondary | Refinance A | A D | D | A D | D | A D | D | A D | D | A D | D | A |
| 377 | XX | XX | XX | Florida | XX | Primary | Cash Out A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 268 | XX | XX | XX | Connecticut | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 214 | XX | XX | XX | Washington | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 358 | XX | XX | XX | Washington | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 156 | XX | XX | XX | Louisiana | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 21 | XX | XX | XX | New York | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 32 | XX | XX | XX | South Carolina | XX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 555 | XX | XX | XX | Louisiana | XX | Primary | Cash Out A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 790 | XX | XX | XX | North Carolina | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 494 | XX | XX | XX | Indiana | XX | Primary | Purchase B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 216 | XX | XX | XX | Georgia | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 103 | XX | XX | XX | Michigan | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 381 | XX | XX | XX | Florida | XX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 576 | XX | XX | XX | Virginia | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 254 | XX | XX | XX | Indiana | XX | Investor | Purchase B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 825 | XX | XX | XX | Texas | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 650 | XX | XX | XX | Tennessee | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 657 | XX | XX | XX | Tennessee | XX | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 670 | XX | XX | XX | Florida | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D |
| 628 | XX | XX | XX | Utah | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 292 | XX | XX | XX | Texas | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 621 | XX | XX | XX | California | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 678 | XX | XX | XX | New York | XX | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 432 | XX | XX | XX | Missouri | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 485 | XX | XX | XX | Ohio | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 258 | XX | XX | XX | Pennsylvania | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 326 | XX | XX | XX | Florida | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 559 | XX | XX | XX | California | XX | Primary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 623 | XX | XX | XX | California | XX | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 328 | XX | XX | XX | Florida | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 82 | XX | XX | XX | California | XX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 126 | XX | XX | XX | New York | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 399 | XX | XX | XX | Virginia | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 306 | XX | XX | XX | California | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 676 | XX | XX | XX | Texas | XX | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 218 | XX | XX | XX | Minnesota | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 521 | XX | XX | XX | Georgia | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 295 | XX | XX | XX | Georgia | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 120 | XX | XX | XX | Nebraska | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 175 | XX | XX | XX | Rhode Island | XX | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 497 | XX | XX | XX | Oregon | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 49 | XX | XX | XX | Alaska | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 281 | XX | XX | XX | Ohio | XX | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D |
| 760 | XX | XX | XX | New York | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 426 | XX | XX | XX | Louisiana | XX | Primary | Purchase B | A C B | C | A C B | C | A C B | C | A C B | C | A C B | C | A |
| 694 | XX | XX | XX | Florida | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 240 | XX | XX | XX | Connecticut | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 411 | XX | XX | XX | North Carolina | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 574 | XX | XX | XX | Texas | XX | Investor | Purchase B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 652 | XX | XX | XX | Florida | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 74 | XX | XX | XX | Texas | XX | Primary | Purchase B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 269 | XX | XX | XX | Florida | XX | Primary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 488 | XX | XX | XX | California | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 378 | XX | XX | XX | Michigan | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 434 | XX | XX | XX | Georgia | XX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 325 | XX | XX | XX | California | XX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 387 | XX | XX | XX | Idaho | XX | Primary | Purchase A | A D | D | A D | D | A D | D | A D | D | A D | D | A |
| 707 | XX | XX | XX | Georgia | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 626 | XX | XX | XX | California | XX | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 256 | XX | XX | XX | New York | XX | Primary | Purchase A | A D | D | A D | D | A D | D | A D | D | A D | D | A |
| 538 | XX | XX | XX | Tennessee | XX | Investor | Purchase B A | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B |
| 118 | XX | XX | XX | North Carolina | XX | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 352 | XX | XX | XX | Arizona | XX | Primary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 284 | XX | XX | XX | New York | XX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 106 | XX | XX | XX | Georgia | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 822 | XX | XX | XX | Colorado | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 159 | XX | XX | XX | Georgia | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 330 | XX | XX | XX | Texas | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 302 | XX | XX | XX | New York | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 797 | XX | XX | XX | Massachusetts | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 520 | XX | XX | XX | Washington | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 310 | XX | XX | XX | Maryland | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 259 | XX | XX | XX | New Jersey | XX | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 467 | XX | XX | XX | Maryland | XX | Primary | Purchase B | A C B | C | A C B | C | A C B | C | A C B | C | A C B | C | A |
| 93 | XX | XX | XX | Arkansas | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 179 | XX | XX | XX | Massachusetts | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 627 | XX | XX | XX | California | XX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 473 | XX | XX | XX | Pennsylvania | XX | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D |
| 660 | XX | XX | XX | Texas | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 539 | XX | XX | XX | Utah | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 600 | XX | XX | XX | Massachusetts | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 173 | XX | XX | XX | Maryland | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 398 | XX | XX | XX | Washington | XX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 261 | XX | XX | XX | Colorado | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 540 | XX | XX | XX | Florida | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 681 | XX | XX | XX | Maryland | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 561 | XX | XX | XX | Wisconsin | XX | Primary | Purchase B | A C B | C | A C B | C | A C B | C | A C B | C | A C B | C | A |
| 182 | XX | XX | XX | Michigan | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 97 | XX | XX | XX | Florida | XX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 289 | XX | XX | XX | Oregon | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 244 | XX | XX | XX | Arizona | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 253 | XX | XX | XX | New York | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 79 | XX | XX | XX | South Carolina | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 591 | XX | XX | XX | Ohio | XX | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 219 | XX | XX | XX | North Carolina | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 714 | XX | XX | XX | Alaska | XX | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 765 | XX | XX | XX | Washington | XX | Primary | Purchase B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 685 | XX | XX | XX | Illinois | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 271 | XX | XX | XX | California | XX | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 260 | XX | XX | XX | Arizona | XX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 341 | XX | XX | XX | Colorado | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 401 | XX | XX | XX | Alaska | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 503 | XX | XX | XX | Connecticut | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 402 | XX | XX | XX | New Mexico | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 396 | XX | XX | XX | Florida | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 157 | XX | XX | XX | Colorado | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 56 | XX | XX | XX | Maryland | XX | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 152 | XX | XX | XX | New York | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 573 | XX | XX | XX | Florida | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 697 | XX | XX | XX | Florida | XX | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 316 | XX | XX | XX | Washington | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 28 | XX | XX | XX | Texas | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 372 | XX | XX | XX | North Carolina | XX | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 717 | XX | XX | XX | Virginia | XX | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 181 | XX | XX | XX | Washington D.C. | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 533 | XX | XX | XX | Nevada | XX | Primary | Purchase B | A D B | D | A D B | D | A D B | D | A D B | D | A D B | D | A |
| 688 | XX | XX | XX | Washington | XX | Secondary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 556 | XX | XX | XX | Florida | XX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 674 | XX | XX | XX | Washington | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 529 | XX | XX | XX | North Carolina | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 313 | XX | XX | XX | Idaho | XX | Primary | Purchase B | A D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A |
| 388 | XX | XX | XX | New York | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 662 | XX | XX | XX | New York | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 425 | XX | XX | XX | New York | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 368 | XX | XX | XX | Massachusetts | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 189 | XX | XX | XX | New York | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 297 | XX | XX | XX | Florida | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 816 | XX | XX | XX | New York | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 318 | XX | XX | XX | California | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 730 | XX | XX | XX | Texas | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 546 | XX | XX | XX | New York | XX | Secondary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 637 | XX | XX | XX | Florida | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 252 | XX | XX | XX | South Carolina | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| Removed from deal | XX | XX | XX | Washington | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 277 | XX | XX | XX | Ohio | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 700 | XX | XX | XX | California | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 562 | XX | XX | XX | Texas | XX | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 282 | XX | XX | XX | Oregon | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 733 | XX | XX | XX | South Carolina | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 141 | XX | XX | XX | Rhode Island | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 735 | XX | XX | XX | Colorado | XX | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 160 | XX | XX | XX | Texas | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 420 | XX | XX | XX | New York | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 689 | XX | XX | XX | Maine | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 668 | XX | XX | XX | Florida | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 334 | XX | XX | XX | Tennessee | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 751 | XX | XX | XX | Indiana | XX | Investor | Purchase B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 421 | XX | XX | XX | Utah | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 590 | XX | XX | XX | Florida | XX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 588 | XX | XX | XX | New York | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 395 | XX | XX | XX | Louisiana | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 192 | XX | XX | XX | Tennessee | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 185 | XX | XX | XX | New York | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 493 | XX | XX | XX | Wisconsin | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 350 | XX | XX | XX | Georgia | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 72 | XX | XX | XX | Florida | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 165 | XX | XX | XX | Michigan | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 125 | XX | XX | XX | North Carolina | XX | Primary | Cash Out A | A D | D | A D | D | A D | D | A D | D | A D | D | A |
| 659 | XX | XX | XX | Arizona | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 351 | XX | XX | XX | Utah | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 263 | XX | XX | XX | Texas | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 298 | XX | XX | XX | New Jersey | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 69 | XX | XX | XX | Texas | XX | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 514 | XX | XX | XX | Tennessee | XX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 647 | XX | XX | XX | Maryland | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 729 | XX | XX | XX | Pennsylvania | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 201 | XX | XX | XX | Illinois | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 438 | XX | XX | XX | Florida | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 203 | XX | XX | XX | Washington | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 508 | XX | XX | XX | Washington | XX | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 583 | XX | XX | XX | California | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 384 | XX | XX | XX | Michigan | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 702 | XX | XX | XX | Florida | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 435 | XX | XX | XX | New Hampshire | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 625 | XX | XX | XX | Georgia | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 607 | XX | XX | XX | Texas | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 741 | XX | XX | XX | Hawaii | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 762 | XX | XX | XX | Florida | XX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 579 | XX | XX | XX | California | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 517 | XX | XX | XX | Maryland | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 20 | XX | XX | XX | Florida | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 276 | XX | XX | XX | Florida | XX | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 404 | XX | XX | XX | Utah | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 257 | XX | XX | XX | Florida | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 738 | XX | XX | XX | California | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 465 | XX | XX | XX | Michigan | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 48 | XX | XX | XX | Tennessee | XX | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 237 | XX | XX | XX | Oregon | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 745 | XX | XX | XX | Illinois | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 362 | XX | XX | XX | New York | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 667 | XX | XX | XX | Tennessee | XX | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 648 | XX | XX | XX | Georgia | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 249 | XX | XX | XX | Florida | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 442 | XX | XX | XX | Texas | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 601 | XX | XX | XX | Colorado | XX | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 366 | XX | XX | XX | California | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 286 | XX | XX | XX | California | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 706 | XX | XX | XX | New York | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 131 | XX | XX | XX | South Carolina | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 511 | XX | XX | XX | Maryland | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 489 | XX | XX | XX | Pennsylvania | XX | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 140 | XX | XX | XX | North Carolina | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 547 | XX | XX | XX | New York | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 610 | XX | XX | XX | New Jersey | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 29 | XX | XX | XX | Wisconsin | XX | Secondary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 749 | XX | XX | XX | Arkansas | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 375 | XX | XX | XX | Delaware | XX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A D |
| 217 | XX | XX | XX | Connecticut | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 553 | XX | XX | XX | Nevada | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 209 | XX | XX | XX | California | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 60 | XX | XX | XX | Tennessee | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 543 | XX | XX | XX | New York | XX | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 50 | XX | XX | XX | Colorado | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 379 | XX | XX | XX | New York | XX | Primary | Purchase B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 343 | XX | XX | XX | New York | XX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 229 | XX | XX | XX | Tennessee | XX | Investor | Purchase B | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable |
| 496 | XX | XX | XX | Florida | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 392 | XX | XX | XX | Indiana | XX | Primary | Refinance A | A C D | C | A C D | C | A C D | C | A C D | C | A C D | C | A |
| 775 | XX | XX | XX | Georgia | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 584 | XX | XX | XX | Colorado | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 18 | XX | XX | XX | California | XX | Primary | Purchase A | A D | D | A D | D | A D | D | A D | D | A D | D | A |
| 587 | XX | XX | XX | New York | XX | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 624 | XX | XX | XX | Washington | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 638 | XX | XX | XX | Washington | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 242 | XX | XX | XX | Virginia | XX | Primary | Cash Out B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 766 | XX | XX | XX | Florida | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 682 | XX | XX | XX | Pennsylvania | XX | Primary | Purchase B | A D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A |
| 724 | XX | XX | XX | Maryland | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 633 | XX | XX | XX | California | XX | Primary | Purchase B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 312 | XX | XX | XX | New York | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 495 | XX | XX | XX | Texas | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 823 | XX | XX | XX | New Jersey | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D |
| 615 | XX | XX | XX | South Carolina | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 466 | XX | XX | XX | Florida | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 102 | XX | XX | XX | New Jersey | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 236 | XX | XX | XX | Florida | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 135 | XX | XX | XX | Utah | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 320 | XX | XX | XX | New York | XX | Investor | Cash Out A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 572 | XX | XX | XX | Georgia | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 813 | XX | XX | XX | Florida | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 644 | XX | XX | XX | California | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 437 | XX | XX | XX | Indiana | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 337 | XX | XX | XX | Pennsylvania | XX | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D |
| 604 | XX | XX | XX | Florida | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 429 | XX | XX | XX | Massachusetts | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 680 | XX | XX | XX | Michigan | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 133 | XX | XX | XX | Florida | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 10 | XX | XX | XX | Georgia | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 418 | XX | XX | XX | California | XX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 597 | XX | XX | XX | Massachusetts | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 220 | XX | XX | XX | New Jersey | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 68 | XX | XX | XX | Utah | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 719 | XX | XX | XX | California | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 105 | XX | XX | XX | Texas | XX | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 565 | XX | XX | XX | South Carolina | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 802 | XX | XX | XX | California | XX | Primary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 386 | XX | XX | XX | South Carolina | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 202 | XX | XX | XX | Oregon | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 564 | XX | XX | XX | New York | XX | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 613 | XX | XX | XX | California | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 645 | XX | XX | XX | Indiana | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 772 | XX | XX | XX | Utah | XX | Primary | Purchase B | A D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A |
| 592 | XX | XX | XX | Ohio | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 288 | XX | XX | XX | Texas | XX | Primary | Purchase B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 224 | XX | XX | XX | South Carolina | XX | Secondary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 180 | XX | XX | XX | North Carolina | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 99 | XX | XX | XX | Minnesota | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 385 | XX | XX | XX | Georgia | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 414 | XX | XX | XX | Maryland | XX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 186 | XX | XX | XX | South Carolina | XX | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 557 | XX | XX | XX | Florida | XX | Primary | Cash Out B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 273 | XX | XX | XX | New York | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 720 | XX | XX | XX | New York | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 178 | XX | XX | XX | North Carolina | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 117 | XX | XX | XX | South Carolina | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 389 | XX | XX | XX | New York | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 138 | XX | XX | XX | Utah | XX | Investor | Purchase A | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable |
| 695 | XX | XX | XX | Indiana | XX | Investor | Purchase B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 177 | XX | XX | XX | Massachusetts | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 785 | XX | XX | XX | New York | XX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 563 | XX | XX | XX | New Jersey | XX | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D |
| 262 | XX | XX | XX | Oregon | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 634 | XX | XX | XX | Texas | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 606 | XX | XX | XX | Massachusetts | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 275 | XX | XX | XX | Texas | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 447 | XX | XX | XX | Indiana | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 441 | XX | XX | XX | California | XX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 25 | XX | XX | XX | Illinois | XX | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 530 | XX | XX | XX | California | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 639 | XX | XX | XX | California | XX | Primary | Purchase B | A D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A |
| 293 | XX | XX | XX | Virginia | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 427 | XX | XX | XX | Texas | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 27 | XX | XX | XX | Massachusetts | XX | Secondary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 686 | XX | XX | XX | Florida | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 247 | XX | XX | XX | New York | XX | Primary | Cash Out B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 222 | XX | XX | XX | Oklahoma | XX | Primary | Refinance A | A D | D | A D | D | A D | D | A D | D | A D | D | A |
| 783 | XX | XX | XX | California | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 406 | XX | XX | XX | Michigan | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 127 | XX | XX | XX | Florida | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 774 | XX | XX | XX | Tennessee | XX | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 513 | XX | XX | XX | Florida | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 699 | XX | XX | XX | Florida | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 527 | XX | XX | XX | New York | XX | Secondary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 512 | XX | XX | XX | California | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 108 | XX | XX | XX | Alabama | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 35 | XX | XX | XX | North Carolina | XX | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A D |
| 146 | XX | XX | XX | Massachusetts | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 471 | XX | XX | XX | Tennessee | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 570 | XX | XX | XX | Michigan | XX | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 453 | XX | XX | XX | Michigan | XX | Investor | Purchase B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 582 | XX | XX | XX | New York | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 593 | XX | XX | XX | Tennessee | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 731 | XX | XX | XX | New York | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 391 | XX | XX | XX | Virginia | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 736 | XX | XX | XX | Pennsylvania | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 188 | XX | XX | XX | Nevada | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 221 | XX | XX | XX | Texas | XX | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 43 | XX | XX | XX | New York | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 826 | XX | XX | XX | Texas | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 407 | XX | XX | XX | Indiana | XX | Primary | Purchase B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 361 | XX | XX | XX | California | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 234 | XX | XX | XX | Michigan | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 23 | XX | XX | XX | Michigan | XX | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 233 | XX | XX | XX | New York | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 67 | XX | XX | XX | Texas | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 373 | XX | XX | XX | New York | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 338 | XX | XX | XX | Virginia | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 15 | XX | XX | XX | Massachusetts | XX | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 96 | XX | XX | XX | Virginia | XX | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 664 | XX | XX | XX | Massachusetts | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 245 | XX | XX | XX | California | XX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A D |
| 196 | XX | XX | XX | Texas | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 457 | XX | XX | XX | California | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 806 | XX | XX | XX | Michigan | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 270 | XX | XX | XX | California | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 348 | XX | XX | XX | Kansas | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 208 | XX | XX | XX | Colorado | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 86 | XX | XX | XX | Oregon | XX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A D |
| 752 | XX | XX | XX | Oregon | XX | Primary | Purchase A | A C D | C | A C D | C | A C D | C | A C D | C | A C D | C | A |
| 267 | XX | XX | XX | Hawaii | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 612 | XX | XX | XX | Texas | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 349 | XX | XX | XX | Florida | XX | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 798 | XX | XX | XX | Illinois | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 359 | XX | XX | XX | Colorado | XX | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 287 | XX | XX | XX | Connecticut | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 458 | XX | XX | XX | Alaska | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 580 | XX | XX | XX | California | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 739 | XX | XX | XX | South Carolina | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 727 | XX | XX | XX | California | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 479 | XX | XX | XX | North Carolina | XX | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 475 | XX | XX | XX | Utah | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 150 | XX | XX | XX | California | XX | Primary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 347 | XX | XX | XX | Oregon | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 31 | XX | XX | XX | Missouri | XX | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 761 | XX | XX | XX | Massachusetts | XX | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 531 | XX | XX | XX | Maryland | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 666 | XX | XX | XX | Minnesota | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 52 | XX | XX | XX | Connecticut | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 756 | XX | XX | XX | North Carolina | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 452 | XX | XX | XX | Pennsylvania | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 369 | XX | XX | XX | New Jersey | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 585 | XX | XX | XX | New York | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D |
| 184 | XX | XX | XX | Georgia | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 84 | XX | XX | XX | Ohio | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 34 | XX | XX | XX | Idaho | XX | Primary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 246 | XX | XX | XX | Nevada | XX | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 87 | XX | XX | XX | Arizona | XX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 502 | XX | XX | XX | New Jersey | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 712 | XX | XX | XX | Pennsylvania | XX | Primary | Purchase B | A C B D | C | A C B D | C | A C B D | C | A C B D | C | A C B D | C | A |
| 169 | XX | XX | XX | Pennsylvania | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 710 | XX | XX | XX | Oklahoma | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 132 | XX | XX | XX | Tennessee | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 500 | XX | XX | XX | New York | XX | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 303 | XX | XX | XX | California | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 534 | XX | XX | XX | Illinois | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 265 | XX | XX | XX | Texas | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 412 | XX | XX | XX | California | XX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 251 | XX | XX | XX | South Carolina | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 324 | XX | XX | XX | Georgia | XX | Secondary | Cash Out A | A C | A | A C | A | A C | A | A C | A | A C | A | A |
| 370 | XX | XX | XX | Alaska | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 355 | XX | XX | XX | Maryland | XX | Investor | Cash Out B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 423 | XX | XX | XX | Florida | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 718 | XX | XX | XX | Washington | XX | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 478 | XX | XX | XX | Utah | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 78 | XX | XX | XX | New York | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 684 | XX | XX | XX | Florida | XX | Primary | Purchase B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 364 | XX | XX | XX | New Hampshire | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 629 | XX | XX | XX | New Mexico | XX | Secondary | Purchase A | A C | A | A C | A | A C | A | A C | A | A C | A | A |
| 759 | XX | XX | XX | Texas | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 198 | XX | XX | XX | California | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 451 | XX | XX | XX | Florida | XX | Primary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 333 | XX | XX | XX | Michigan | XX | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 782 | XX | XX | XX | Pennsylvania | XX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 713 | XX | XX | XX | Georgia | XX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 795 | XX | XX | XX | Florida | XX | Primary | Purchase B | A C B | C | A C B | C | A C B | C | A C B | C | A C B | C | A |
| 725 | XX | XX | XX | Oregon | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 545 | XX | XX | XX | New Jersey | XX | Investor | Purchase B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 800 | XX | XX | XX | New York | XX | Primary | Purchase B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 715 | XX | XX | XX | New Jersey | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 705 | XX | XX | XX | Oklahoma | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 403 | XX | XX | XX | Pennsylvania | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 462 | XX | XX | XX | Washington | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 66 | XX | XX | XX | Massachusetts | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 428 | XX | XX | XX | Tennessee | XX | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 708 | XX | XX | XX | California | XX | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 283 | XX | XX | XX | Washington | XX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 124 | XX | XX | XX | Virginia | XX | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 505 | XX | XX | XX | Pennsylvania | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 548 | XX | XX | XX | Washington | XX | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 518 | XX | XX | XX | Colorado | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 455 | XX | XX | XX | New York | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 649 | XX | XX | XX | Connecticut | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 62 | XX | XX | XX | North Carolina | XX | Primary | Cash Out B A | A B | A | A B | A | A B | A | A B | A | A B | A | A B |
| 353 | XX | XX | XX | Florida | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 322 | XX | XX | XX | New York | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 740 | XX | XX | XX | Nevada | XX | Primary | Refinance B | A D B | D | A D B | D | A D B | D | A D B | D | A D B | D | A |
| 89 | XX | XX | XX | Arizona | XX | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 687 | XX | XX | XX | Pennsylvania | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 393 | XX | XX | XX | Georgia | XX | Investor | Cash Out B | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable |
| 683 | XX | XX | XX | Pennsylvania | XX | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D |
| 635 | XX | XX | XX | Maryland | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 111 | XX | XX | XX | North Carolina | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 788 | XX | XX | XX | Michigan | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 716 | XX | XX | XX | South Carolina | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 199 | XX | XX | XX | North Carolina | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 696 | XX | XX | XX | New Jersey | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 45 | XX | XX | XX | New Jersey | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 815 | XX | XX | XX | Washington | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 390 | XX | XX | XX | Kentucky | XX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 183 | XX | XX | XX | Utah | XX | Secondary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 709 | XX | XX | XX | Washington | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 506 | XX | XX | XX | Pennsylvania | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 332 | XX | XX | XX | Washington | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 101 | XX | XX | XX | Texas | XX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 651 | XX | XX | XX | Texas | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 450 | XX | XX | XX | Washington | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 578 | XX | XX | XX | Pennsylvania | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 758 | XX | XX | XX | California | XX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 589 | XX | XX | XX | Minnesota | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 405 | XX | XX | XX | Pennsylvania | XX | Investor | Purchase B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 307 | XX | XX | XX | New York | XX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 692 | XX | XX | XX | Georgia | XX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 382 | XX | XX | XX | New York | XX | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 654 | XX | XX | XX | Georgia | XX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 609 | XX | XX | XX | Indiana | XX | Investor | Purchase B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 291 | XX | XX | XX | Florida | XX | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 223 | XX | XX | XX | Utah | XX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 3**

**Data Compare**

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Infinity Loan ID** | **Loan Number** | **Loan Number 2** | **Field** | **Loan Value** | **Tape Value** | **Variance** | **Variance %** | **Comment** | **Tape Source** |
| 15 | XX | XX |  | Residual Income | $46556.19 | $34000.34 | $12555.85 | 36.92860% | Total verified monthly income equals $58,222.13, monthly PITIA equals $3,702.22 and all other debts equal $7,963.72. Residual income is $46,556.19. | Initial |
| 17 | XX | XX |  | Residual Income | $5598.95 | $5361.29 | $237.66 | 4.43288% | Total verified monthly income equals $9694.21, monthly PITIA equals $3518.26, and all other debts equal $577.00. Residual income is $5,598.95. | Initial |
| 18 | XX | XX |  | Residual Income | $4537.91 | $4222.83 | $315.08 | 7.46134% | Total verified monthly income equals $7392.72, monthly PITIA equals $1979.81 and all other debts equal $875.00. Residual income is $4,537.91. | Initial |
| 23 | XX | XX |  | Residual Income | $16843.27 | $15598.15 | $1245.12 | 7.98248% | Total verified monthly income equals $28,169.93, monthly PITIA equals $9,227.66 and all other debts equal $2,099.00. Residual income is $16,843.27. | Initial |
| 27 | XX | XX |  | Residual Income | $16796.29 | $17788.92 | $-992.63 | -5.58004% | Total verified monthly income equals $31,250.00, monthly PITIA equals $7877.01 and all other debts equal $6,576.7. Residual income is $16,796.29. | Initial |
| 29 | XX | XX |  | Residual Income | $43265.64 | $46347.82 | $-3082.18 | -6.65010% | Total verified monthly income equals $67,937.17, monthly PITIA equals $7,405.53 and all other debts equal $17,266.00 Residual income is $43,265.64. | Initial |
| 31 | XX | XX |  | Residual Income | $5641.84 | $6507.85 | $-866.01 | -13.30715% | Total verified monthly income equals $9,879.04, monthly PITIA equals $0.00 and all other debts equal $4,237.2. Residual income is $5,641.84. | Initial |
| 32 | XX | XX |  | Residual Income | $45813.88 | $36544.20 | $9269.68 | 25.36566% | Total verified monthly income equals $61,142.06, monthly PITIA equals $0.00 and all other debts equal $15,328.18. Residual income is $45,813.88. | Initial |
| 68 | XX | XX |  | Residual Income | $81561.78 | $54109.49 | $27452.29 | 50.73470% | Total verified monthly income equals $104,224.21, monthly PITIA equals $6,671.22 and all other debts equal $15,991.21. Residual income is $81,561.78. | Initial |
| 78 | XX | XX |  | Residual Income | $5268.10 | $5490.93 | $-222.83 | -4.05814% | Total verified monthly income equals $9309.51, monthly PITIA equals $0.00 and all other debts equal $4,041.41. Residual income is $5,268.1. | Initial |
| 105 | XX | XX |  | Residual Income | $54509.32 | $20649.29 | $33860.03 | 163.97672% | Total verified monthly income equals $64,039.58, monthly PITIA equals $0.00 and all other debts equal $9,530.26. Residual income is $54,509.32. | Initial |
| 107 | XX | XX |  | Residual Income | $29199.71 | $0.00 | $29199.71 |  | Total verified monthly income equals $37,812.39, monthly PITIA equals $6,185.05 and all other debts equal $2,427.63. Residual income is $29,199.71. | Initial |
| 111 | XX | XX |  | Residual Income | $19689.82 | $21857.47 | $-2167.65 | -9.91720% | Total verified monthly income equals $31,185.31, monthly PITIA equals $981.84 and all other debts equal $10,513.65. Residual income is $19,689.82. | Initial |
| 126 | XX | XX |  | Residual Income | $4183.58 | $3836.59 | $346.99 | 9.04422% | Total verified monthly income equals $7290.35, monthly PITIA equals $0.00 and all other debts equal $3,106.77. Residual income is $4,183.58. | Initial |
| 138 | XX | XX |  | Residual Income | $43162.67 | $44634.36 | $-1471.69 | -3.29721% | Total verified monthly income equals $75,090.56, monthly PITIA equals $0.00 and all other debts equal $31,927.89. Residual income is $43,162.67. | Initial |
| 412 | XX | XX |  | Residual Income | $16083.96 | $14169.19 | $1914.77 | 13.51361% | Total verified monthly income equals $24,201.30, monthly PITIA equals $0.00 and all other debts equal $8,117.34. Residual income is $16,083.96. | Initial |
| 478 | XX | XX |  | Residual Income | $18190.21 | $14001.54 | $4188.67 | 29.91578% | Total verified monthly income equals $28690.44, monthly PITIA equals $2553.23 and all other debts equal $7,947. Residual income is $18,190.21. | Initial |
| 485 | XX | XX |  | Residual Income | $9703.11 | $9290.41 | $412.70 | 4.44221% | Total verified monthly income equals $14,763.00, monthly PITIA equals $0.00 and all other debts equal $5,059.89. Residual income is $9,703.11. | Initial |
| 533 | XX | XX |  | Original Appraised Value | XX | XX | XX | 5.45790% | The Appraisal dated 09/XX/2025 reflects Original Appraised value as $XX. | Initial |
| 579 | XX | XX |  | Residual Income | $16980.23 | $14890.13 | $2090.10 | 14.03681% | Total verified monthly income equals $25,408.33, monthly PITIA equals $0.00 and all other debts equal $8,428.1. Residual income is $16,980.23. | Initial |
| 650 | XX | XX |  | Original Appraised Value | XX | XX | XX |  | The Appraisal dated 11/XX/2025 reflects Original Appraised value as $XX. | Initial |
| 659 | XX | XX |  | Original Appraised Value | XX | XX | XX |  | The Appraisal dated 10/XX/2025 reflects Original Appraised value as $XX. | Initial |
| 685 | XX | XX |  | Residual Income | $4244.63 | $4118.02 | $126.61 | 3.07453% | Total verified monthly income equals $7276.46, monthly PITIA equals $0.00 and all other debts equal $3,031.83. Residual income is $4,244.63. | Initial |
| 689 | XX | XX |  | Residual Income | $7527.75 | $8025.48 | $-497.73 | -6.20187% | Total verified monthly income equals $14033.00, monthly PITIA equals $4614.25 and all other debts equal $1,891.00 Residual income is $7,527.75. | Initial |
| 712 | XX | XX |  | Original Appraised Value | XX | XX | XX | 24.56896% | The Appraisal dated 09/XX/2025 reflects Original Appraised value as $XX. | Initial |
| 766 | XX | XX |  | Residual Income | $5253.18 | $4094.63 | $1158.55 | 28.29437% | Total verified monthly income equals $8366.58, monthly PITIA equals $0.00 and all other debts equal $3,113.4. Residual income is $5,253.18. | Initial |
| 772 | XX | XX |  | Residual Income | $148617.18 | $142164.62 | $6452.56 | 4.53879% | Total verified monthly income equals $166,988.50, monthly PITIA equals $0.00 and all other debts equal $18,371.32. Residual income is $148,617.18. | Initial |
| 782 | XX | XX |  | Residual Income | $20320.16 | $19669.07 | $651.09 | 3.31022% | Total verified monthly income equals $28,069.13, monthly PITIA equals $0.00 and all other debts equal $7,748.97. Residual income is $20,320.16. | Initial |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Infinity Loan ID** | **Loan Number** | **Loan Number 2** | **Borrower Name** | **State** | **QM/ATR Status** | **Initial Overall Loan Grade** | **Final Overall Grade** | **Final Credit Grade** | **Final Property Grade** | **Final Compliance Grade** | **Material (level 3) TRID exception?** | **Material (level 3) Non-TRID exception?** | **Active Material Exceptions** | **Active Non Material Exceptions** | **Satisfied Exceptions** | **Waived Exceptions** | **Compensating Factors** | **Property Type** | **Note Date** | **LTV** | **CLTV** | **Occupancy** | **Purpose** | **Credit Score** | **Brwr 1 Yrs in Property** | **Brwr 1 Occupation** | **Brwr 1 Yrs on Job** | **Total Monthly Income** | **Mortgage History** | **Cash Out Amount** | **DTI** | **FTHB Flag** | **Loan Doc Type** | **Loan Status** | **Review Date** |
| 10 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Please provide a copy of the insurance document for the property located at XX, as the document we received shows an incorrect insurance address.<br>Resolved 10/20/2025 : Received address affidavit document , condition resolved.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of Lease agreement for the property XX.<br>Resolved 10/13/2025 - Received lease agreement for property XX, condition resolved. |  |  | Single Family | XX | 75.000% | 75.000% | Investor | Purchase | 800 |  | XX | 8.16 | $29956.49 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 41.054% | No | Alternative | QC Complete | 09/25/2025 |
| 15 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Borrower Identity Missing - EV R<br> COMMENT: Provide a copy of borrower government identification, as it is missing.<br>Resolved 10/20/2025 - Received borrower driving license , condition resolved. |  |  | 2 Family | XX | 64.516% | 64.516% | Investor | Cash Out | 760 |  | XX | 15.66 | $58222.13 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $489547.84 | 20.037% |  | Full Documentation | QC Complete | 09/XX/2025 |
| 17 | XX | XX |  | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide updated supplemental report with amount of title insurance covering the loan amount $XX.<br>Resolved 10/23/2025 - Received title policy, condition resolved.<br>\*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 9.204% Allowed 8.250% Overby +0.954%<br>This loan is compliant with regulation 1026.35.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide UDM for borrower (XX) as it is required by the guideline.<br>09/11/2025 Resolved: Resolved as UDM is not applicable on correspondent loans.<br>\*\*\* (CURED) State Higher Price Mortgage Loan - EV R<br> COMMENT: (CA AB 260, California Financial Code Division 1.9 4995(a)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.<br>CA AB 260 Higher-Priced Mortgage Loan Test: Charged 9.204% Allowed 8.250% Overby +0.954%<br>This loan is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). |  |  | Single Family | XX | 90.000% | 90.000% | Primary | Purchase | 763 |  | XX | 4.5 | $6656.39 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 42.244% | Yes | Alternative | QC Complete | 09/02/2025 |
| 18 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) ComplianceEase TRID Tolerance Test is Incomplete - EV R<br> COMMENT: Missing Initial Closing Disclosure.<br>Resolved 11/06/2025: Received Initial Closing Disclosure dated 09/XX/2025 and exception is cleared. |  |  | Single Family | XX | 49.991% | 49.991% | Primary | Purchase | 802 |  | XX | 7.5 | $7392.72 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 38.617% | No | Alternative | QC Complete | 10/22/2025 |
| 20 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 80.000% | 80.000% | Primary | Purchase | 737 |  | XX | 8.91 | $4044.91 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 42.718% | No | Alternative | QC Complete | 10/22/2025 |
| 21 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX | 80.000% | 80.000% | Investor | Purchase | 741 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 10/22/2025 |
| 23 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Hazard Insurance Coverage less than Loan Amount - EV R<br> COMMENT: The hazard insurance coverage amount of $XX is less than the loan amount of $XX. Please provide a Replacement Cost Estimator (RCE).<br>Resolved 10/28/2025 - Received processors cert with RCE covers at least the dwelling amount, condition resolved. |  |  | Single Family | XX | 75.740% | 75.740% | Primary | Cash Out | 774 | 1.58 | XX | 6 | $18431.17 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $234179.94 | 40.208% |  | Full Documentation | QC Complete | 10/10/2025 |
| 25 | XX | XX |  | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.141% Allowed 7.810% Overby +0.331%<br>This loan is compliant with regulation 1026.35. |  |  | Single Family | XX | 85.000% | 85.000% | Primary | Purchase | 724 |  | XX | 2.83 | $62248.13 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 5.058% | No | Alternative | QC Complete | 11/07/2025 |
| 26 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Property Issues indicated - EV R<br> COMMENT: Correction required for Appraisal Report Transaction type change from Purchase to Refinance.<br>Resolved 11/24/2025 - Received revised appraisal report, condition resolved. |  |  | Single Family | XX | 46.909% | 46.909% | Primary | Refinance | 789 | 9.42 | XX | 15 | $2666.62 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 44.916% |  | Alternative | QC Complete | 11/07/2025 |
| 27 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Borrower Identity Missing - EV R<br> COMMENT: Provide a copy of borrower ID as it is missing.<br>Resolved on 10/20/2025 : Received driving license for both the borrowers, condition resolved. |  |  | Single Family | XX | 70.000% | 70.000% | Secondary | Purchase | 803 |  | XX | 1.25 | $31250.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 46.252% | No | Full Documentation | QC Complete | 09/25/2025 |
| 28 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: The April 2025 bank statement for XX checking account ending in XX is not included in the loan file.<br>Resolved 10/28/2025 - Received Bank statement for month of April 2025, condition resolved. |  |  | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 754 |  | XX | 12.33 | $205410.93 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 3.491% | No | Alternative | QC Complete | 10/10/2025 |
| 29 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Title Issue - EV R<br> COMMENT: Missing liability policy for the settlement agent.<br>Resolved 11/07/2025 - Received master liability policy, condition resolved |  |  | Single Family | XX | 80.000% | 80.000% | Secondary | Purchase | 785 |  | XX | 15.58 | $59869.20 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 36.315% | No | Alternative | QC Complete | 10/10/2025 |
| 31 | XX | XX |  | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 9.663% Allowed 7.810% Overby+1.853%<br>This loan is compliant with regulation 1026.35. |  |  | PUD | XX | 90.000% | 90.000% | Primary | Purchase | 731 |  | XX | 3.75 | $9879.04 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 42.891% | No | Alternative | QC Complete | 11/07/2025 |
| 32 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: The HO-6 policy on page #XX does not include the new lender or its loss payee clause.<br>Resolved 10/29/2025 - Received HO-6 with lender mortgage clause, condition resolved. |  |  | High Rise Condo (>=9 Stories) | XX | 75.000% | 75.000% | Primary | Purchase | 781 |  | XX |  | $45318.25 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 25.070% | No | Alternative | QC Complete | 10/10/2025 |
| 34 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of Government ID for the borrower (XX) as it is missing.<br>Resolved 11/20/2025 - Received Gov ID, condition resolved. |  |  | Single Family | XX | 80.000% | 80.000% | Primary | Refinance | 780 | 0.16 | XX | 6.41 | $24860.61 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 20.179% |  | Alternative | QC Complete | 11/07/2025 |
| 35 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Incomplete or Data not complete - EV R<br> COMMENT: Provide a copy of Appraisal report. Rear view photo of subject property is missing.<br>Resolved 10/28/2025 - Received Appraisal condition comments as subject house does not have any access to rear side, condition resolved. |  |  | PUD | XX | 55.649% | 55.649% | Primary | Cash Out | 711 | 1 | XX | 2.08 | $12899.81 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $155407.85 | 24.014% |  | Alternative | QC Complete | 10/10/2025 |
| 43 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 69.771% | 69.771% | Primary | Refinance | 766 | 2 | XX | 8.75 | $68820.29 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 36.709% |  | Alternative | QC Complete | 11/07/2025 |
| 45 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of the evidence document or receipt for the HOA fee in the amount of $311.45 for the subject property, as it is missing.<br>Resolved 11/10/2025 - Received HOA Cert, condition resolved. |  |  | Low Rise Condo (1-4 Stories) | XX | 69.996% | 69.996% | Investor | Purchase | 800 |  | XX | 10.92 | $0.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 41.724% | No | Full Documentation | QC Complete | 10/22/2025 |
| 48 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of VOR for the Property XX in the amount $XX.<br>Resolved 10/29/2025 - Received VOR, condition resolved. |  |  | Single Family | XX | 75.000% | 75.000% | Investor | Refinance | 754 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | DSCR | QC Complete | 10/10/2025 |
| 49 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Rent comparable photos are missing from the loan package. Provide photos of all rent comparables listed in the appraisal.<br>Resolved 10/28/2025 - Received LOE as Appraisal review team will remove the condition, condition resolved. |  |  | Single Family | XX | 75.000% | 75.000% | Investor | Purchase | 757 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 10/10/2025 |
| 50 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 64.789% | 64.789% | Investor | Cash Out | 777 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $275030.98 |  |  | DSCR | QC Complete | 11/06/2025 |
| 52 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 75.000% | 75.000% | Primary | Purchase | 735 |  | XX | 13.75 | $69973.84 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 10.572% | No | Alternative | QC Complete | 10/23/2025 |
| 56 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide an updated Lease Agreement, as the one currently in the file expired on 06/XX/2025 and does not cover the closing date of 10/XX/2025.<br>Received 11/10/2025 - Received Lease ammendment for 06/XX/2026, condition resolved. |  |  | Single Family | XX | 48.443% | 48.443% | Investor | Cash Out | 746 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $140633.40 |  |  | DSCR | QC Complete | 10/23/2025 |
| 59 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 80.000% | 80.000% | Investor | Purchase | 759 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 10/23/2025 |
| 60 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 789 |  | XX | 16.75 | $8924.20 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 43.866% | No | Full Documentation | QC Complete | 10/23/2025 |
| 62 | XX | XX |  | XX | XX | Non-QM/Compliant | 2 | 2 | 1 | 2 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Property zoned rural and contains more than 10 acres - EV W<br> COMMENT: The property exceeds the maximum acreage allowed per guidelines. The XX guidelines permit up to 20 acres, while the appraisal lists the property xx acres.<br>A copy of an exception approval letter is available in the loan file. | LTV: 60.00% LTV is less than the guideline requirement of 80.00%.<br>DTI: 14.57% DTI is less than the maximum guideline requirement of 50.00%.<br>FICO: 690 FICO exceeds the guideline requirement of 640.<br>| Single Family | XX | 60.000% | 60.000% | Primary | Cash Out | 690 | 2.33 | XX | 8.42 | $109732.58 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $3266.53 | 14.569% |  | Alternative | QC Complete | 10/23/2025 |
| 66 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX | 64.563% | 64.563% | Primary | Purchase | 711 |  | XX |  | $2919.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 21.875% | No | Alternative | QC Complete | 11/07/2025 |
| 67 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Mid Rise Condo (5-8 Stories) | XX | 60.000% | 60.000% | Investor | Refinance | 801 |  | XX | 6.16 | $22188.83 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 34.002% |  | Full Documentation | QC Complete | 11/07/2025 |
| 68 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of payoff statement for the primary property address XX<br>Resolved-11/10/2025- Payoff statement is not required, lox provided page#XX. |  |  | Mid Rise Condo (5-8 Stories) | XX | 60.000% | 60.000% | Investor | Purchase | 755 |  | XX | 25.83 | $104224.21 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 21.744% | No | Full Documentation | QC Complete | 10/23/2025 |
| 69 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Transmittal (1008) is Missing - EV R<br> COMMENT: Provide a copy of 1008, as it is missing.<br>Resolved 10/28/2025 - Received 1008, condition resolved. |  |  | PUD | XX | 72.930% | 72.930% | Investor | Refinance | 745 |  | XX | 15.08 | $176959.81 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 8.906% |  | Alternative | QC Complete | 10/10/2025 |
| 72 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 42.373% | 42.373% | Investor | Cash Out | 800 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $236173.14 |  |  | DSCR | QC Complete | 11/06/2025 |
| 74 | XX | XX |  | XX | XX | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: The borrower self-employed. Borrower has been self employed and has owned a XX for 7 yrs. However, the borrower relocated to TX in 10/23 and has a new business in TX. We are asking for exception as the borrower will have 23 months of employment TX and not a completed 24 months at this time of close<br>A copy of an exception approval letter is available in the loan file. | Residual Income : $6215.12.00 monthly<br>DTI: 26.36% DTI is less than the maximum guideline requirement of 50.00%.<br>Reserves: The 7 months of available reserves are more than the guideline requirement of 3 months. | PUD | XX | 80.000% | 80.000% | Primary | Purchase | 707 |  | XX | 2 | $8439.96 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 26.361% | No | Alternative | QC Complete | 11/07/2025 |
| 77 | XX | XX |  | XX | XX | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: The borrower has 7 NSFs in the past 12 months; however, up to 6 NSFs may be acceptable with a letter of explanation from the borrower. Two overdrafts were excluded because the account was brought current on the same day. The borrower is purchasing the property using a Gift of Equity.<br>A copy of an exception approval letter is available in the loan file. | LTV: 68.82% LTV is less than the guideline requirement of 85.00%.<br>Residual Income : $18,317.46 monthly<br>DTI: 30.44% DTI is less than the maximum guideline requirement of 50.00%.<br>| Single Family | XX | 68.824% | 68.824% | Primary | Purchase | 686 |  | XX | 3.16 | $12904.07 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 30.444% | No | Alternative | QC Complete | 11/18/2025 |
| 78 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 722 |  | XX | 0.58 | $9309.51 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 43.412% | No | Full Documentation | QC Complete | 10/23/2025 |
| 79 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 70.000% | 70.000% | Investor | Cash Out | 742 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $154122.73 |  |  | DSCR | QC Complete | 10/23/2025 |
| 82 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide updated supplemental report with amount of title insurance covering the loan amount $XX<br>Resolved 10/28/2025 - Received final title policy, condition resolved. |  |  | Single Family | XX | 59.494% | 59.494% | Primary | Purchase | 794 |  | XX | 1 | $32750.01 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 45.984% | No | Full Documentation | QC Complete | 10/09/2025 |
| 84 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 75.000% | 75.000% | Investor | Cash Out | 742 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $134614.93 |  |  | DSCR | QC Complete | 11/07/2025 |
| 86 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Property Issues indicated - EV R<br> COMMENT: Photos of "XX" are missing in the loan package. Provide images of "XX<br>Resolved 11/18/2025 - Received Appraisal without having basement garage term in photo section, condition resolved. |  |  | Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 713 |  | XX | 2.66 | $21447.60 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 35.216% | No | Alternative | QC Complete | 10/23/2025 |
| 87 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Closing Protection Letter Missing - EV R<br> COMMENT: Title is required to provide a copy of the Closing Protection Letter with the Lender Loss payee clause & dated either prior to or on the day of close (Matching the Note).<br>Resolved 11/10/2025 - Received CPL , condition resolved. |  |  | Single Family | XX | 74.534% | 74.534% | Primary | Purchase | 790 |  | XX | 22.83 | $57716.67 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 44.675% | Yes | Alternative | QC Complete | 10/23/2025 |
| 89 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 78.125% | 78.125% | Secondary | Purchase | 783 |  | XX | 4.58 | $148138.73 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 12.481% | No | Alternative | QC Complete | 10/23/2025 |
| 93 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of the updated title report including the lender loss payee language "ISAOA/ATIMA" for the mortgagee.<br>Resolved 12/5/2025 - Received title Insured ISOA, condition resolved. |  |  | PUD | XX | 80.000% | 80.000% | Investor | Purchase | 753 |  | XX | 17.16 | $12957.45 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 23.771% | No | Alternative | QC Complete | 11/07/2025 |
| 96 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Missing Required Disclosures - EV R<br> COMMENT: Provide a corrected final 1003 form that includes the missing monthly principal and interest (P&I) payment for the primary property at XX.<br>Resolved 11/24/2025 - Received final 1003 with primary residence PITI, condition resolved. |  |  | Single Family | XX | 75.000% | 75.000% | Investor | Cash Out | 747 |  | XX | 12.08 | $15686.94 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $98167.96 | 37.527% |  | Full Documentation | QC Complete | 10/08/2025 |
| 97 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Borrower Identity Missing - EV R<br> COMMENT: The primary borrower's driver's license expired on November XX, 2024. Please provide a copy of the updated driver's license.<br>Resolved 10/24/2025 - Received updated Govt ID, condition resolved. |  |  | Low Rise Condo (1-4 Stories) | XX | 53.191% | 53.191% | Primary | Purchase | 795 |  | XX | 4.83 | $6697.46 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 30.080% | No | Full Documentation | QC Complete | 10/09/2025 |
| 99 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 780 |  | XX | 2.5 | $2308.56 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 43.891% | No | Alternative | QC Complete | 11/07/2025 |
| 101 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Missing proof of proceeds from Secured Loan in the amount of $XX<br>Resolved 11/19/2025 - Received Final CD with proceed amount, condition resolved. |  |  | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 754 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 11/06/2025 |
| 102 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX | 80.000% | 80.000% | Investor | Purchase | 739 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 11/06/2025 |
| 103 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 4 Family | XX | 80.000% | 80.000% | Investor | Purchase | 799 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 10/23/2025 |
| 105 | XX | XX |  | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 8.889% Allowed 8.070% Overby +0.819% This loan is compliant with regulation 1026.35. |  |  | PUD | XX | 90.000% | 90.000% | Primary | Purchase | 785 |  | XX | 4.75 | $32019.79 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 14.882% | No | Alternative | QC Complete | 10/23/2025 |
| 106 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 79.994% | 79.994% | Investor | Purchase | 782 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 10/23/2025 |
| 107 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide an updated copy of the appraisal, as the current version indicates "no" for the FEMA flood zone, but the property is actually located within a flood zone.<br>Resolved 11/19/2025 - Received corrected appraisal with flood zone Yes, condition resolved. |  |  | PUD | XX | 80.000% | 80.000% | Secondary | Purchase | 797 |  | XX |  | $37812.39 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 22.777% | No | Alternative | QC Complete | 11/06/2025 |
| 108 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 85.000% | 85.000% | Investor | Purchase | 749 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 10/23/2025 |
| 111 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 55.790% | 55.790% | Investor | Purchase | 681 |  | XX | 20.75 | $31185.31 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 36.862% | No | Alternative | QC Complete | 10/24/2025 |
| 117 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 62.959% | 62.959% | Primary | Refinance | 767 | 1.16 | XX | 13.58 | $40833.34 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 28.808% |  | Full Documentation | QC Complete | 11/07/2025 |
| 118 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Lease agreement for the subject property (XX) is missing.<br>Resolved 11/24/2025 - Received lease agreement, condition resolved. |  |  | Single Family | XX | 45.833% | 45.833% | Investor | Cash Out | 770 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $99720.86 |  |  | DSCR | QC Complete | 11/06/2025 |
| 120 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 80.000% | 80.000% | Primary | Cash Out | 724 | 4.5 | XX | 9 | $17750.78 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $9803.12 | 36.726% |  | Full Documentation | QC Complete | 10/24/2025 |
| 124 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 80.000% | 80.000% | Secondary | Purchase | 722 |  | XX | 21 | $35849.49 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 49.034% | No | Full Documentation | QC Complete | 11/06/2025 |
| 125 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) ComplianceEase TRID Tolerance Test is Incomplete - EV R<br> COMMENT: Missing Initial Closing Disclosure<br>Resolved 11/26/2025: Received Initial Closing Disclosure dated 10/XX/2025 and exception is cleared. |  |  | PUD | XX | 53.127% | 53.127% | Primary | Cash Out | 787 | 0.91 | XX | 22.91 | $421575.53 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $749842.03 | 1.512% |  | Alternative | QC Complete | 11/18/2025 |
| 126 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX | 49.216% | 49.216% | Primary | Cash Out | 717 | 5.58 | XX | 6.33 | $7290.35 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $56406.18 | 42.615% |  | Alternative | QC Complete | 11/18/2025 |
| 127 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX | 64.516% | 64.516% | Investor | Purchase | 808 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 01/16/2026 |
| 131 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 3 Family | XX | 72.360% | 72.360% | Investor | Refinance | 748 |  | XX | 5.66 | $8365.11 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 30.032% |  | Full Documentation | QC Complete | 11/06/2025 |
| 132 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 70.000% | 70.000% | Investor | Refinance | 777 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | DSCR | QC Complete | 11/06/2025 |
| 133 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 773 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 11/06/2025 |
| 135 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Closing Protection Letter Missing - EV R<br> COMMENT: The CPL in the file does not include the full wording of the new lender loss payee clause and is missing "ATIMA." An updated CPL containing the complete lender loss payee verbiage is required.<br>11/06/2025 Resolved: Resolved as ATIMA is not required if ISOAO is available.<br>\*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: The HOI policy in the file is missing the full wording of the new lender loss payee clause, specifically the term "ATIMA." An updated policy including the complete lender loss payee verbiage is required.<br>11/06/2025 Resolved: the copy of outsourcing letter resolves the condition.<br>\*\*\* (CURED) Letter of explanation needed for the file - EV R<br> COMMENT: The Letters of Explanation (LOEs) on pages 233 and 235 of the loan file are missing a date indicating when the information was collected and/or when the borrower signed the letters.<br>Resolved 11/13/2025 - Received LOE with signature and the date, condition resolved. |  |  | Single Family | XX | 64.762% | 64.762% | Investor | Purchase | 760 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 10/09/2025 |
| 138 | XX | XX |  | XX | XX | Not Covered/Exempt | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Loan does not conform to program guidelines - EV R<br> COMMENT: Exception approval required for remote online notary being used to execute the power of attorney.<br>Resolved 11/13/2025 - XX accept the exception for the remote online notary POA, condition resolved. |  |  | Low Rise Condo (1-4 Stories) | XX | 73.799% | 73.799% | Investor | Purchase | 768 |  | XX | 0.66 | $75090.56 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 42.519% | No | Full Documentation | QC Complete | 11/06/2025 |
| 140 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 804 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 11/05/2025 |
| 141 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 75.000% | 75.000% | Primary | Purchase | 807 |  | XX | 6.16 | $72362.24 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 37.579% | No | Alternative | QC Complete | 01/16/2026 |
| 146 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX | 70.862% | 70.862% | Investor | Purchase | 767 |  | XX | 2.58 |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 12/03/2025 |
| 150 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide updated supplemental report with amount of title insurance covering the loan amount $xx<br>Resolved 11/24/2025 - Received final policy, condition resolved. |  |  | Single Family | XX | 72.368% | 72.368% | Primary | Refinance | 798 | 2.25 | XX | 20.66 | $30050.04 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 36.694% |  | Full Documentation | QC Complete | 11/05/2025 |
| 152 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX | 80.000% | 80.000% | Investor | Purchase | 810 |  | XX | 15.75 | $6533.63 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 18.362% | Yes | Full Documentation | QC Complete | 11/19/2025 |
| 156 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 80.000% | 80.000% | Investor | Purchase | 738 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 11/19/2025 |
| 157 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 79.684% | 79.684% | Primary | Refinance | 760 | 0.42 | XX | 3.66 | $7894.75 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 44.964% |  | Full Documentation | QC Complete | 11/19/2025 |
| 159 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The amount of title insurance of $xx on the Title Commitment is less than the loan amount $XX<br>Resolved 11/18/2025 - Received title insured amount, condition resolved. |  |  | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 766 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 10/24/2025 |
| 160 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 66.316% | 66.316% | Investor | Cash Out | 782 |  | XX | 17.33 | $13809.08 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $237230.88 | 40.511% |  | Full Documentation | QC Complete | 11/05/2025 |
| 165 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX | 80.000% | 80.000% | Investor | Purchase | 798 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 11/05/2025 |
| 169 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 794 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 11/05/2025 |
| 173 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 80.000% | 80.000% | Investor | Purchase | 782 |  | XX | 0.41 | $14583.34 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 46.803% | No | Full Documentation | QC Complete | 11/20/2025 |
| 175 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 50.000% | 50.000% | Secondary | Purchase | 790 |  | XX | 37.33 | $22174.53 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 31.130% | No | Full Documentation | QC Complete | 11/19/2025 |
| 177 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 69.690% | 69.690% | Investor | Purchase | 726 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 12/03/2025 |
| 178 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX | 59.168% | 59.168% | Investor | Cash Out | 701 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:1<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:1<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $116985.93 |  |  | DSCR | QC Complete | 11/19/2025 |
| 179 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX | 74.097% | 74.097% | Primary | Refinance | 780 | 1.16 | XX | 9.33 | $35318.68 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 36.093% |  | Full Documentation | QC Complete | 12/04/2025 |
| 180 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 80.000% | 80.000% | Primary | Purchase | 798 |  | XX | 5.66 | $19174.82 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 30.528% | Yes | Alternative | QC Complete | 12/04/2025 |
| 181 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX | 75.000% | 75.000% | Investor | Purchase | 789 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 12/04/2025 |
| 182 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 70.000% | 70.000% | Investor | Cash Out | 724 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $49001.75 |  |  | DSCR | QC Complete | 12/04/2025 |
| 183 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The amount of proposed Lender's coverage on the Title Commitment Title is less than the loan amount. The document reflects coverage in the amount of $XX, however, the Note reflects a loan amount of $XX.<br>Resolved 10/21/2025 - Received title report with insured amount, condition resolved . |  |  | Single Family | XX | 80.000% | 80.000% | Secondary | Purchase | 780 |  | XX | 8.75 | $24368.23 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 46.527% | No | Alternative | QC Complete | 10/15/2025 |
| 184 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 75.000% | 75.000% | Primary | Purchase | 703 |  | XX | 4.75 | $8401.12 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 46.478% | Yes | Alternative | QC Complete | 11/04/2025 |
| 185 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 42.765% | 42.765% | Primary | Cash Out | 793 | 14 | XX | 7.16 | $217368.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $483714.04 | 7.214% |  | Alternative | QC Complete | 10/28/2025 |
| 186 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX | 80.000% | 80.000% | Secondary | Purchase | 810 |  | XX |  | $15157.23 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type:Credit Report |  | 43.713% | No | Alternative | QC Complete | 10/22/2025 |
| 188 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 80.000% | 80.000% | Primary | Purchase | 777 |  | XX | 2.75 | $1275.54 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 29.182% | No | Alternative | QC Complete | 11/04/2025 |
| 189 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Mid Rise Condo (5-8 Stories) | XX | 70.000% | 70.000% | Primary | Purchase | 790 |  | XX | 10.83 | $424942.97 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 4.904% | Yes | Alternative | QC Complete | 11/10/2025 |
| 192 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 70.000% | 70.000% | Investor | Cash Out | 749 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $8663.55 |  |  | DSCR | QC Complete | 11/13/2025 |
| 196 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 72.917% | 72.917% | Primary | Cash Out | 707 | 7 | XX | 7 | $13669.79 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $312107.33 | 49.094% |  | Full Documentation | QC Complete | 11/12/2025 |
| 198 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 75.000% | 75.000% | Investor | Purchase | 765 |  | XX | 10.75 | $247121.18 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 8.241% | No | Alternative | QC Complete | 11/10/2025 |
| 199 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 75.000% | 75.000% | Investor | Purchase | 738 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 11/12/2025 |
| 201 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 85.000% | 85.000% | Investor | Purchase | 732 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 10/27/2025 |
| 202 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 68.607% | 68.607% | Primary | Cash Out | 705 | 19.66 | XX | 14.33 | $9744.36 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $113862.63 | 18.911% |  | Alternative | QC Complete | 11/05/2025 |
| 203 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 73.874% | 73.874% | Primary | Refinance | 749 | 1.83 | XX | 3.5 | $19292.50 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 31.629% |  | Alternative | QC Complete | 10/28/2025 |
| 208 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 51.064% | 51.064% | Primary | Purchase | 789 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 10/27/2025 |
| 209 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 56.634% | 56.634% | Primary | Refinance | 785 | 1.25 | XX | 10.5 | $30598.28 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 44.708% |  | Alternative | QC Complete | 11/12/2025 |
| 210 | XX | XX |  | XX | XX | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: First time homebuyer living rent free vs First time homebuyer living rent free is not eligible<br>A copy of an exception approval letter is available in the loan file. | FICO: 739 FICO exceeds the guideline requirement of 720.<br>LTV: 85.00% LTV is less than the guideline requirement of 90.00%.<br>DTI: 41.916% DTI is less than the maximum guideline requirement of 43.00%. | Single Family | XX | 85.000% | 85.000% | Primary | Purchase | 739 |  | XX | 2.41 | $28523.65 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 41.916% | Yes | Alternative | QC Complete | 01/15/2026 |
| 214 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 56.393% | 56.393% | Primary | Refinance | 801 | 2.25 | XX | 0.67 | $22916.68 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 15.466% |  | Full Documentation | QC Complete | 11/05/2025 |
| 216 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 80.000% | 80.000% | Investor | Purchase | 742 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 11/26/2025 |
| 217 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 85.000% | 85.000% | Investor | Purchase | 739 |  | XX | 5.08 | $143923.67 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 20.171% | No | Alternative | QC Complete | 10/27/2025 |
| 218 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of Operating Agreement for XX.<br>Resolved 11/21/2025 - Received operating agreement, condition resolved. |  |  | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 731 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 11/14/2025 |
| 219 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX | 80.000% | 80.000% | Investor | Purchase | 789 |  | XX | 2.75 | $15386.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 36.539% | No | Alternative | QC Complete | 12/10/2025 |
| 220 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 50.337% | 50.337% | Primary | Refinance | 703 | 21 | XX |  | $1388.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 29.116% |  | Alternative | QC Complete | 01/16/2026 |
| 221 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of MTG statement of property XX of $722.17 Which is missing in the file.<br>Resolved 11/05/2025 - Received LOX as the property is not in mortgage, condition resolved. |  |  | PUD | XX | 74.667% | 74.667% | Investor | Cash Out | 742 |  | XX | 20.75 | $43582.92 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $98398.96 | 33.718% |  | Alternative | QC Complete | 10/27/2025 |
| 222 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) HUD-1 Closing Statement missing or unsigned - EV R<br> COMMENT: Missing Final Closing Disclosure.<br>Resolved 10/16/2025: Received Final Closing Disclosure dated 09/XX/2025 and exception is cleared.<br>\*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: The hazard insurance policy in the loan file is missing the "lender loss payee clause verbiage". Missing "ISAOA/ATIMA".<br>Resolved 10/16/2025 - Received insurance with lender loss payee clause, condition resolved.<br>\*\*\* (CURED) Title Issue - EV R<br> COMMENT: Missing the settlement agent's liability insurance policy. (Errors & Omissions policy).<br>Resolved on 10/20/2025 : Received E&O insurance policy, condition resolved. |  |  | Single Family | XX | 69.231% | 69.231% | Primary | Refinance | 739 | 2.08 | XX | 2.08 | $32934.84 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 19.665% |  | Alternative | QC Complete | 10/14/2025 |
| 223 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 85.000% | 85.000% | Primary | Purchase | 738 |  | XX | 5.08 | $25600.47 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 45.665% | No | Alternative | QC Complete | 12/08/2025 |
| 224 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Condo questionnaire missing.<br>Resolved 11/10/2025 - Received LOX as Condo questionnaire not required for Detached, condition resolved. |  |  | Low Rise Condo (1-4 Stories) | XX | 47.368% | 47.368% | Secondary | Purchase | 774 |  | XX | 30.08 | $12428.42 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 21.758% | No | Full Documentation | QC Complete | 11/05/2025 |
| 228 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 65.000% | 65.000% | Investor | Cash Out | 735 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $245503.35 |  |  | DSCR | QC Complete | 11/11/2025 |
| 229 | XX | XX |  | XX | XX | Not Covered/Exempt | 4 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Seller contributions exceed guideline limit - EV R<br> COMMENT: Seller-paid closing costs exceed the allowable limit of 3%, with 3.30% reported.<br>Resolved 10/28/2025 - Received Lender response as the seller paid is 3% ($XX / $XX), condition resolved. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Assets waive the guideline for 5% of borrower own funds into the transaction, receiving a gift and wants to use for full cash to close.<br>A copy of an exception approval letter is available in the loan file. | DSCR: 1.02 DSCR exceeds the guideline requirement of 1.00.<br>FICO: 785 FICO exceeds the guideline requirement of 660. | Single Family | XX | 85.000% | 85.000% | Investor | Purchase | 785 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 10/21/2025 |
| 233 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 71.765% | 71.765% | Primary | Purchase | 706 |  | XX | 4.58 | $26909.17 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 42.653% | No | Alternative | QC Complete | 11/11/2025 |
| 234 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 75.000% | 75.000% | Investor | Cash Out | 729 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $9524.37 |  |  | DSCR | QC Complete | 11/26/2025 |
| 236 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 70.000% | 70.000% | Investor | Purchase | 791 |  | XX | 5.83 | $12582.63 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 30.330% | No | Alternative | QC Complete | 11/19/2025 |
| 237 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX | 72.172% | 72.172% | Investor | Refinance | 725 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | DSCR | QC Complete | 11/11/2025 |
| 240 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX | 75.000% | 75.000% | Investor | Purchase | 785 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 11/11/2025 |
| 242 | XX | XX |  | XX | XX | Non-QM/Compliant | 2 | 2 | 1 | 2 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Property zoned rural and contains more than 10 acres - EV W<br> COMMENT: Property is in rural area with XX Acres exceeds the maximum property area<br>A copy of an exception approval letter is available in the loan file. | FICO: 705 FICO exceeds the guideline requirement of 700.<br>Reserves: The 68 months of available reserves are more than the guideline requirement of 9 months. | Single Family | XX | 15.819% | 15.819% | Primary | Cash Out | 705 | 1.58 | XX | 2.08 | $9000.46 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $176463.70 | 49.969% |  | Alternative | QC Complete | 10/29/2025 |
| 244 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 85.000% | 85.000% | Investor | Purchase | 755 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 11/12/2025 |
| 245 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) The Appraisal License is Missing - EV R<br> COMMENT: Appraiser Certificate License is missing in file.<br>Resolved 11/24/2025 - Received Appraisal certificate, condition resolved. |  |  | Single Family | XX | 85.000% | 85.000% | Primary | Purchase | 757 |  | XX | 2.75 | $86501.07 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 25.495% | No | Alternative | QC Complete | 11/12/2025 |
| 246 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provided Flood Certificate show as Flood zone as in Appraisal report it is showing as No,Provide a copy of Appraisal Report.<br>Resolved 11/03/2025 - Corrected appraisal provided, condition resolved. |  |  | PUD | XX | 67.797% | 67.797% | Primary | Cash Out | 733 | 2.5 | XX | 21.58 | $332721.95 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $264785.69 | 5.518% |  | Alternative | QC Complete | 10/27/2025 |
| 247 | XX | XX |  | XX | XX | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Requesting exception for excessive NSF for the past 12 months. 7 total in last 12 months.<br>A copy of an exception approval letter is available in the loan file. | LTV: 54.76% LTV is less than the guideline requirement of 80.00%.<br>DTI: 37.49% DTI is less than the maximum guideline requirement of 50.00%.<br>| Single Family | XX | 54.762% | 54.762% | Primary | Cash Out | 662 | 18 | XX | 3.75 | $13823.54 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $312122.65 | 37.490% |  | Alternative | QC Complete | 11/13/2025 |
| 249 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 74.426% | 74.426% | Primary | Cash Out | 762 | 5.83 | XX | 16.75 | $4055.78 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $69083.07 | 45.161% |  | Alternative | QC Complete | 11/04/2025 |
| 251 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 62.312% | 62.312% | Primary | Purchase | 764 |  | XX | 9.58 | $3075.17 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 49.460% | Yes | Alternative | QC Complete | 10/28/2025 |
| 252 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 60.246% | 60.246% | Primary | Purchase | 757 |  | XX | 2.42 | $12618.67 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 38.305% | No | Alternative | QC Complete | 10/22/2025 |
| 253 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 59.474% | 59.474% | Primary | Purchase | 751 |  | XX | 6 | $109583.36 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 11.345% | No | Alternative | QC Complete | 11/12/2025 |
| 254 | XX | XX |  | XX | XX | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Credit: Housing Payment History to allow a non-per resident with a H1B VISA<br>A copy of an exception approval letter is available in the loan file. | DSCR: 1.72 DSCR exceeds the guideline requirement of 1.00.<br>FICO: 734 FICO exceeds the guideline requirement of 720. | 2 Family | XX | 80.000% | 80.000% | Investor | Purchase | 734 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 10/22/2025 |
| 256 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Initial Escrow Acct Disclosure missing; loan has escrows - EV R<br> COMMENT: Missing Initial Escrow Account Disclosure.<br>Resolved 12/10/2025 - The copy of Initial Escrow discl resolves the condition. |  |  | Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 772 |  | XX | 10.41 | $5879.98 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 47.157% | Yes | Alternative | QC Complete | 11/26/2025 |
| 257 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 798 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 10/27/2025 |
| 258 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 85.000% | 85.000% | Investor | Refinance | 759 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | DSCR | QC Complete | 11/12/2025 |
| 259 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide the first and second pages of the September 2024 bank statement for the account ending in #XX.<br>Resolved 11/07/2025 - Received September month bank statement, condition resolved. |  |  | Low Rise Condo (1-4 Stories) | XX | 75.000% | 75.000% | Investor | Cash Out | 775 |  | XX | 6.66 | $333387.70 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $222697.96 | 19.808% |  | Alternative | QC Complete | 11/04/2025 |
| 260 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: The Hazard Insurance in the loan file lists Borrower#2 as XX "XX" however, the name should match the Note which records the borrowers name as XX "XX". An updated proof of insurance should be obtained listing the borrowers name correctly.<br>Resolved 10/24/2025 - Received Lender response-The AKA's provided for the co-borrower include her last name "XX". We even have policies that don't include middle names or suffixes for example, condition resolved. |  |  | PUD | XX | 79.487% | 79.487% | Primary | Purchase | 726 |  | XX |  | $0.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 48.073% | No | Alternative | QC Complete | 10/15/2025 |
| 261 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 50.794% | 50.794% | Primary | Purchase | 783 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 11/10/2025 |
| 262 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) VOM or VOR missing/required - EV R<br> COMMENT: Borrower 1 and Borrower 2 are currently renting at XX, and XX9. Please provide a copy of the Verification of Rent (VOR), as it is missing from the file.<br>Resolved 11/05/2025 - Received LOX as the borrowers are currently staying in rent on property XX, condition resolved. |  |  | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 736 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Multiple Source Docs |  |  | No | DSCR | QC Complete | 10/30/2025 |
| 263 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 80.000% | 80.000% | Investor | Purchase | 767 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 11/13/2025 |
| 265 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 80.000% | 80.000% | Investor | Purchase | 785 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 11/12/2025 |
| 267 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX | 40.143% | 40.143% | Investor | Refinance | 812 |  | XX | 17.5 | $22974.58 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 24.426% |  | Full Documentation | QC Complete | 10/29/2025 |
| 268 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 3 Family | XX | 75.000% | 75.000% | Investor | Cash Out | 753 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $83341.31 |  |  | DSCR | QC Complete | 11/25/2025 |
| 269 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copies of the most recent two months of bank statements to verify sufficient assets to meet the reserve requirement amount of $23,282.04, as it is missing.<br>Resolved 11/06/2025 - Rate and term transaction not required reserves, condition resolved. |  |  | PUD | XX | 79.149% | 79.149% | Primary | Refinance | 719 | 3 | XX | 7.33 | $91832.41 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 18.437% |  | Alternative | QC Complete | 10/29/2025 |
| 270 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 70.000% | 70.000% | Investor | Purchase | 795 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 11/10/2025 |
| 271 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Income documentation does not meet guidelines - EV R<br> COMMENT: Provide written verification of employment for the borrower, XX, from her employer, XX.<br>Resolved 12/02/2025 - Received paystub and the VVOE, condition resolved. |  |  | Single Family | XX | 57.021% | 57.021% | Primary | Cash Out | 735 | 2 | XX | 8.25 | $11341.75 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $109068.81 | 43.180% |  | Full Documentation | QC Complete | 11/25/2025 |
| 273 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 4 Family | XX | 60.000% | 60.000% | Investor | Cash Out | 682 |  | XX |  | $0.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:90<br> Verification Type:Credit Report | $150112.30 |  |  | DSCR | QC Complete | 11/05/2025 |
| 275 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 799 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 11/10/2025 |
| 276 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Missing flood cert - EV R<br> COMMENT: Provide a copy of Flood Certificate as it is missing<br>Resolved 10/27/2025- Received Flood Cert, condition resolved. |  |  | Single Family | XX | 56.316% | 56.316% | Primary | Cash Out | 713 | 20 | XX | 16.25 | $36290.65 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $149800.07 | 16.743% |  | Alternative | QC Complete | 10/22/2025 |
| 277 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 4 Family | XX | 80.000% | 80.000% | Investor | Purchase | 789 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 11/04/2025 |
| 281 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Property Issues indicated - EV R<br> COMMENT: Please provide an updated copy of the appraisal report that includes rental comparables.<br>Resolved 11/14/2025 - Received rental comparable with photo copy, condition resolved. |  |  | 2 Family | XX | 75.000% | 75.000% | Investor | Cash Out | 710 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $6994.05 |  |  | DSCR | QC Complete | 10/27/2025 |
| 282 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX | 80.000% | 80.000% | Investor | Purchase | 786 |  | XX | 9.75 | $9548.34 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 38.724% | No | Full Documentation | QC Complete | 10/29/2025 |
| 283 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Hazard Insurance Coverage less than Loan Amount - EV R<br> COMMENT: Dwelling coverage amount $XX reflecting on the hazard insurance policy is not sufficient to cover the loan amount $XX<br>Resolved 11/03/2025 - RCE provided, condition resolved. |  |  | Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 749 |  | XX | 0.41 | $15482.41 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 47.151% | No | Full Documentation | QC Complete | 10/29/2025 |
| 284 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Hazard Insurance Coverage less than Loan Amount - EV R<br> COMMENT: Missing Master policy.<br>Resolved 10/28/2025 - Received master policy, condition resolved.<br>\*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of the Condominium Questionnaire, as it is missing.<br>Resolved 10/23/2025 - Received condo questionnaire, condition resolved.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of the closing protection letter (CPL), as it is missing.<br>Resolved 10/23/2025 - Received client LOX as CPL is not required for NY state, condition resolved. |  |  | Low Rise Condo (1-4 Stories) | XX | 80.000% | 80.000% | Primary | Purchase | 746 |  | XX | 2.42 | $8184.22 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Verification of Rent |  | 32.297% | Yes | Alternative | QC Complete | 10/15/2025 |
| 286 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 788 |  | XX | 9.83 | $79999.81 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 26.220% | No | Alternative | QC Complete | 12/04/2025 |
| 287 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 4 Family | XX | 80.000% | 80.000% | Investor | Purchase | 729 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 11/28/2025 |
| 288 | XX | XX |  | XX | XX | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Exception for Housing Payment History.<br>A copy of an exception approval letter is available in the loan file. | FICO: 739 FICO exceeds the guideline requirement of 640.<br>LTV: 60.00% LTV is less than the guideline requirement of 80.00%.<br>Residual Income : $4,111.53 monthly  | Low Rise Condo (1-4 Stories) | XX | 60.000% | 60.000% | Primary | Purchase | 739 |  | XX |  | $3643.70 | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: |  | 33.808% | Yes | Full Documentation | QC Complete | 10/28/2025 |
| 289 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 75.000% | 75.000% | Investor | Purchase | 724 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 11/13/2025 |
| 291 | XX | XX |  | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.173% Allowed 7.810% Overby +0.363%<br>This loan is compliant with regulation 1026.35 |  |  | PUD | XX | 85.000% | 85.000% | Primary | Purchase | 710 |  | XX | 5.33 | $8879.55 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 44.256% | Yes | Alternative | QC Complete | 11/11/2025 |
| 292 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 80.000% | 80.000% | Primary | Purchase | 733 |  | XX | 3 | $27311.11 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 35.573% | No | Alternative | QC Complete | 11/13/2025 |
| 293 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 76.721% | 76.721% | Primary | Refinance | 791 | 1.75 | XX | 4 | $15912.87 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 36.559% |  | Full Documentation | QC Complete | 12/04/2025 |
| 295 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 80.000% | 80.000% | Investor | Purchase | 756 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 01/16/2026 |
| 297 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX | 80.000% | 80.000% | Primary | Purchase | 772 |  | XX | 2.33 | $14977.60 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 17.831% | Yes | Alternative | QC Complete | 11/11/2025 |
| 298 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX | 75.000% | 75.000% | Primary | Purchase | 727 |  | XX | 2.33 | $61379.12 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 8.897% | Yes | Alternative | QC Complete | 10/28/2025 |
| 302 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 43.750% | 43.750% | Primary | Purchase | 691 |  | XX |  | $32192.09 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 15.670% | No | Alternative | QC Complete | 11/04/2025 |
| 303 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 75.000% | 75.000% | Investor | Purchase | 768 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 11/10/2025 |
| 306 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 65.000% | 65.000% | Investor | Refinance | 752 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 12.879% |  | Alternative | QC Complete | 10/22/2025 |
| 307 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 72.000% | 72.000% | Primary | Refinance | 746 | 1.67 | XX | 8.75 | $10192.14 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 28.711% |  | Alternative | QC Complete | 11/20/2025 |
| 310 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 42.857% | 42.857% | Primary | Purchase | 803 |  | XX |  | $13184.68 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 47.612% | No | Alternative | QC Complete | 11/13/2025 |
| 312 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 702 |  | XX | 3 | $14904.57 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 35.051% | Yes | Alternative | QC Complete | 11/10/2025 |
| 313 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of Social Security Award letter.<br>Resolved 11/25/2025 - Received SSA letter, condition resolved. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Use of the Knock program for the departing residence and omitting PITIA on that property accordingly.<br>A copy of an exception approval letter is available in the loan file. | LTV: 72.56% LTV is less than the guideline requirement of 90.00%.<br>DTI: 5.48% DTI is less than the maximum guideline requirement of 50.00%.<br>| Single Family | XX | 72.563% | 72.563% | Primary | Purchase | 714 |  | XX |  | $14426.13 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 49.528% | No | Alternative | QC Complete | 01/15/2026 |
| 316 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 72.283% | 72.283% | Primary | Refinance | 786 | 2 | XX | 9.08 | $9767.77 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 41.539% |  | Full Documentation | QC Complete | 10/27/2025 |
| 318 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 29.714% | 29.714% | Primary | Cash Out | 748 | 20 | XX | 18.16 | $17331.22 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $83313.09 | 23.545% |  | Alternative | QC Complete | 11/10/2025 |
| 320 | XX | XX |  | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Final Application Incomplete - EV R<br> COMMENT: The final 1003 must be updated to indicate the refinance type as "Cash-Out."<br>Resolved 11/19/2025 - Loan is delayed financing and should be classified as rate and term, condition resolved.<br>\*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 7.688% Allowed 7.660% Overby +0.028%<br>This loan is compliant with regulation 1026.35.<br>\*\*\* (CURED) Loan does not conform to program guidelines - EV R<br> COMMENT: Cash to borrower is $607,104.31, which exceeds the permitted cash-out cap of $500,000 and does not meet guideline requirements.<br>Resolved 11/19/2025 - Loan is delayed financing and should be classified as rate and term, condition resolved. |  |  | Single Family | XX | 80.000% | 80.000% | Investor | Cash Out | 776 |  | XX | 4.5 | $22706.49 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $622689.31 | 48.293% |  | Full Documentation | QC Complete | 01/15/2026 |
| 322 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 85.000% | 85.000% | Primary | Purchase | 710 |  | XX | 3.91 | $155381.45 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 15.738% | No | Alternative | QC Complete | 10/21/2025 |
| 324 | XX | XX |  | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Final Application Incomplete - EV R<br> COMMENT: Page 1 of the 1003 lists the borrower's primary residence as XXy, while Page 4 identifies the subject property as the primary residence. Despite this inconsistency, the loan was originated and underwritten as a second home.<br>Not Resolved 11/19/2025 - Received LOX, however required updated corrected 1003 application showing the REO section property XX to be changed as Second home, condition not resolved.<br>Resolved 11/25/2025 - Received corrected 1003 for REO section, condition resolved.<br>\*\*\* (CURED) Income documentation does not meet guidelines - EV R<br> COMMENT: Payments received on a Note executed within the past 12 months, regardless of its term, cannot be considered stable income. A copy of the Note must be provided to document the terms— including payment amount, frequency, and duration— and to confirm that the income is expected to continue for at least three (3) years. If the borrower is not the original payee on the Note, the creditor must verify that the borrower has the legal right to enforce it.<br>Resolved 11/12/2025- Received Note document with Creditor sign, condition resolved. |  |  | Single Family | XX | 76.482% | 76.482% | Secondary | Cash Out | 735 |  | XX |  | $6943.37 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $43191.15 | 44.876% |  | Alternative | QC Complete | 11/10/2025 |
| 325 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of the Seller's Statement that includes the seller's signature.<br>Resolved 10/17/2025 - Received updated Seller Statement with seller signature, condition resolved. |  |  | Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 765 |  | XX | 15.16 | $26980.44 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 35.514% | No | Alternative | QC Complete | 10/13/2025 |
| 326 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 57.377% | 57.377% | Primary | Refinance | 785 | 1.16 | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 10/21/2025 |
| 328 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 80.000% | 80.000% | Primary | Cash Out | 707 | 2 | XX | 2.83 | $17416.06 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $65500.28 | 39.691% |  | Alternative | QC Complete | 12/10/2025 |
| 329 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of Hazard Insurance with annual premium reflecting on it.<br>Resolved 11/20/2025 - Received hazard insurance document with annual premium, condition resolved. |  |  | Single Family | XX | 75.000% | 75.000% | Investor | Cash Out | 747 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:30<br> Verification Type:Credit Report | $222566.00 |  |  | DSCR | QC Complete | 11/07/2025 |
| 330 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 54.237% | 54.237% | Primary | Cash Out | 712 | 25 | XX | 10.25 | $37955.39 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $152797.36 | 12.341% |  | Alternative | QC Complete | 11/13/2025 |
| 332 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 60.000% | 60.000% | Primary | Purchase | 812 |  | XX |  | $52319.52 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 37.581% | No | Full Documentation | QC Complete | 10/29/2025 |
| 333 | XX | XX |  | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z<br>Higher-Priced Mortgage Loan Test: Charged 8.194% Allowed 7.790% +Overby 0.404%<br>This loan is compliant with regulation 1026.35. |  |  | Single Family | XX | 90.000% | 90.000% | Primary | Purchase | 764 |  | XX | 5.75 | $2490.86 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type:Credit Report |  | 37.853% | Yes | Alternative | QC Complete | 10/27/2025 |
| 334 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 737 |  | XX | 10.58 | $9240.47 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 34.062% | Yes | Alternative | QC Complete | 11/20/2025 |
| 337 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The amount of proposed Lender's coverage on the Title Commitment is less than the loan amount. The document reflects coverage in the amount of $XX, however, the Note reflects a loan amount of $XX.<br>Resolved 11/21/2025 - Received title commitment, condition resolved.<br>\*\*\* (CURED) Subject or Comp Photos are missing or illegible - EV R<br> COMMENT: Rent comparable #1 photos are missing from the loan package. Provide photos of rent comparable #1 listed in the appraisal.<br>Resolved 11/17/2025 - Received Lender response : Rent comparable #1 is the same address as the sale comparable #1. Photo is included for sale comparable #1, condition resolved. |  |  | 2 Family | XX | 72.794% | 72.794% | Investor | Cash Out | 735 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $103575.77 |  |  | DSCR | QC Complete | 11/12/2025 |
| 338 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 80.000% | 80.000% | Investor | Purchase | 763 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 12/09/2025 |
| 341 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: The mortgagee clause on the master insurance policy must reflect XX mortgagee clause.<br>Resolved 12/02/2025 - Received mortgage clause, condition resolved.<br>\*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Property tax documentation is missing for XX<br>Resolved 11/17/2025 - Received Tax Info, condition resolved. |  |  | Low Rise Condo (1-4 Stories) | XX | 80.000% | 80.000% | Investor | Purchase | 783 |  | XX | 11.25 | $0.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 20.880% | No | Full Documentation | QC Complete | 11/13/2025 |
| 342 | XX | XX |  | XX | XX | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: FTHB Living Rent free for last 5 years.<br>A copy of an exception approval letter is available in the loan file. | LTV: 75.00% LTV is less than the guideline requirement of 90.00%.<br>DTI: 18.09% DTI is less than the maximum guideline requirement of 50.00%. | 2 Family | XX | 75.000% | 75.000% | Primary | Purchase | 705 |  | XX | 4.75 | $44918.11 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 18.091% | Yes | Alternative | QC Complete | 11/12/2025 |
| 343 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Missing supporting documentation for the additional PITIA component in the amount of $426.97.<br>Resolved 11/18/2025 - Received Condo Questionnaire and LOW for the value $426.97, condition resolved. |  |  | Low Rise Condo (1-4 Stories) | XX | 80.000% | 80.000% | Primary | Purchase | 745 |  | XX | 3.75 | $17689.85 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 46.131% | No | Alternative | QC Complete | 11/13/2025 |
| 347 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 57.377% | 57.377% | Investor | Cash Out | 664 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:2<br> Times 1X60:1<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $336477.95 |  |  | DSCR | QC Complete | 10/29/2025 |
| 348 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 78.399% | 78.399% | Primary | Refinance | 794 | 0.83 | XX | 6.08 | $226816.16 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 4.561% |  | Alternative | QC Complete | 11/04/2025 |
| 349 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Housing Payment - EV R<br> COMMENT: Missing documentation for taxes and insurance on below rental properties.<br>1). XX<br>2). XX<br>Resolved 11/19/2025 - Received tax and insurance for rental properties, condition resolved. |  |  | Single Family | XX | 18.519% | 18.519% | Primary | Cash Out | 714 | 30 | XX | 35.75 | $9546.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $87995.88 | 41.061% |  | Alternative | QC Complete | 01/15/2026 |
| 350 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 796 |  | XX | 8.75 | $45051.24 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 22.553% | No | Full Documentation | QC Complete | 11/07/2025 |
| 351 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX | 74.990% | 74.990% | Investor | Purchase | 768 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 11/10/2025 |
| 352 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide a copy of title supplement report as the insured amount $XX is not covering the loan amount $XX<br>Resolved 11/13/2025 - Received title policy, condition resolved.<br>\*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Mortgage MERS - MIN number available for 16 digits. Required 18 digit MIN number.<br>Resolved 11/6/2025 - Received 18 digit MIN number, condition resolved. |  |  | Single Family | XX | 69.237% | 69.237% | Primary | Refinance | 740 | 0.5 | XX | 5.75 | $33606.08 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 34.040% |  | Alternative | QC Complete | 11/04/2025 |
| 353 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 80.000% | 80.000% | Primary | Purchase | 700 |  | XX | 5.58 | $36829.13 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 34.999% | No | Alternative | QC Complete | 11/12/2025 |
| 355 | XX | XX |  | XX | XX | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Loan amount of $XX, below the minimum of $100,000.00 A copy of an exception approval letter is available in the loan file. | FICO: 766 FICO exceeds the guideline requirement of 720.<br> DSCR: 1.44 DSCR exceeds the guideline requirement of 0.50.<br> Reserves: The 82 months of available reserves are more than the guideline requirement of 6 months. | Single Family | XX | 75.000% | 75.000% | Investor | Cash Out | 766 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $85771.70 |  |  | DSCR | QC Complete | 11/10/2025 |
| 358 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 66.377% | 66.377% | Investor | Refinance | 811 |  | XX | 3.41 | $15575.73 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 38.449% |  | Full Documentation | QC Complete | 10/17/2025 |
| 359 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX | 63.683% | 63.683% | Secondary | Purchase | 790 |  | XX | 7.08 | $10526.53 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 27.934% | No | Full Documentation | QC Complete | 11/26/2025 |
| 361 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 69.824% | 69.824% | Primary | Refinance | 792 | 1.08 | XX | 7.33 | $134742.98 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 7.439% |  | Alternative | QC Complete | 11/20/2025 |
| 362 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 38.461% | 38.461% | Primary | Purchase | 811 |  | XX | 5.83 | $9819.53 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 48.103% | No | Alternative | QC Complete | 01/16/2026 |
| 364 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX | 70.000% | 70.000% | Primary | Purchase | 782 |  | XX | 10.25 | $5980.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 41.679% | No | Full Documentation | QC Complete | 10/22/2025 |
| 366 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX | 60.000% | 60.000% | Investor | Purchase | 807 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 11/04/2025 |
| 368 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX | 75.000% | 75.000% | Investor | Purchase | 778 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 11/05/2025 |
| 369 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX | 70.000% | 70.000% | Investor | Purchase | 819 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 11/26/2025 |
| 370 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX | 84.846% | 84.846% | Investor | Purchase | 809 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 12/05/2025 |
| 372 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Correction required on the 1003 form: In the REO section, the property at XX is incorrectly listed as a Primary Residence. It should be updated to reflect Investment property.<br>Resolved on 10/20/2025 : Received final 1003 after correction , condition resolved. |  |  | 2 Family | XX | 75.000% | 75.000% | Investor | Cash Out | 758 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $168575.23 |  |  | DSCR | QC Complete | 10/14/2025 |
| 373 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 747 |  | XX | 7.5 | $36884.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Verification of Rent |  | 17.669% | Yes | Alternative | QC Complete | 11/13/2025 |
| 375 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Property Issues indicated - EV R<br> COMMENT: Provide updated appraisal with change in flood zone from X to AE.<br>Resolved 11/19/2025 - Received corrected appraisal report, condition resolved. |  |  | PUD | XX | 80.000% | 80.000% | Primary | Purchase | 757 |  | XX | 3.33 | $9500.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 48.159% | No | Alternative | QC Complete | 11/11/2025 |
| 377 | XX | XX |  | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z<br>Higher-Priced Mortgage Loan Test: Charged 8.432% Allowed 7.790% Overby+0.642%<br>This loan is compliant with regulation 1026.35. |  |  | Single Family | XX | 75.000% | 75.000% | Primary | Cash Out | 684 | 1 | XX | 4.75 | $6609.97 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $184058.61 | 48.079% |  | Alternative | QC Complete | 11/11/2025 |
| 378 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 773 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 11/04/2025 |
| 379 | XX | XX |  | XX | XX | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: FTHB living rent free<br>A copy of an exception approval letter is available in the loan file. | FICO: 798 FICO exceeds the guideline requirement of 720.<br>DTI: 3.95% DTI is less than the maximum guideline requirement of 50.00%.<br>Reserves: The 22 months of available reserves are more than the guideline requirement of 6 months. | High Rise Condo (>=9 Stories) | XX | 80.000% | 80.000% | Primary | Purchase | 798 |  | XX | 4 | $295867.06 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 3.950% | Yes | Alternative | QC Complete | 11/10/2025 |
| 381 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Title Issue - EV R<br> COMMENT: Missing the settlement agent's liability insurance policy. (Errors & Omissions policy).<br>Resolved 10/22/2025 - Received E&O policy, condition resolved. |  |  | Single Family | XX | 79.628% | 79.628% | Primary | Purchase | 732 |  | XX | 6.33 | $328605.79 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 6.301% | No | Alternative | QC Complete | 10/14/2025 |
| 382 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX | 65.000% | 65.000% | Secondary | Purchase | 786 |  | XX | 4.33 | $356168.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 1.887% | No | Alternative | QC Complete | 11/28/2025 |
| 384 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 75.000% | 75.000% | Investor | Refinance | 759 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | DSCR | QC Complete | 11/04/2025 |
| 385 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 56.391% | 56.391% | Primary | Cash Out | 790 | 7.66 | XX | 7 | $53564.69 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $498387.83 | 34.442% |  | Full Documentation | QC Complete | 10/29/2025 |
| 386 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 45.817% | 45.817% | Primary | Refinance | 762 | 1.16 | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 15.865% |  | Alternative | QC Complete | 11/13/2025 |
| 387 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Intent to Proceed Missing - EV R<br> COMMENT: Missing Intent to Proceed Document.<br>Resolved 10/23/2025: Received Intent to Proceed dated 09/XX/2025 and exception is cleared.<br>\*\*\* (CURED) Missing Required Disclosures - EV R<br> COMMENT: Provide supporting documentation to verify the 'Other' component of PITI listed on the application in the amount of $1,000.<br>Resolved 10/29/2025 - Received corrected 1003 by removing other payment $1000, condition resolved. |  |  | Single Family | XX | 79.983% | 79.983% | Primary | Purchase | 801 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Full Documentation | QC Complete | 01/15/2026 |
| 388 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 64.579% | 64.579% | Primary | Refinance | 754 | 1 | XX | 10.5 | $81760.55 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 37.005% |  | Alternative | QC Complete | 11/07/2025 |
| 389 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX | 70.000% | 70.000% | Primary | Purchase | 732 |  | XX | 18.33 | $30475.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 17.153% | Yes | Alternative | QC Complete | 10/29/2025 |
| 390 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 74.257% | 74.257% | Investor | Cash Out | 747 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $215019.66 |  |  | DSCR | QC Complete | 11/12/2025 |
| 391 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 50.230% | 50.230% | Investor | Cash Out | 702 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $42476.86 |  |  | DSCR | QC Complete | 11/20/2025 |
| 392 | XX | XX |  | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.185% Allowed 7.740% Overby+0.445%<br>This loan is compliant with regulation 1026.35.<br>\*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: The mortgage being paid off is solely in XX name. Since the current borrower has no housing history, a rent-free letter signed by both the borrower and XX is required.<br>Resolved 11/17/2025 - Received lender response:The mortgage payment is being made out of a joint XX account that we have in the file. Also this is a refi on this file and the other borrower is no longer living rent free in this property so no rent free letter is needed as they are paying the mortgage now and our mortgage is in their name also. |  |  | Single Family | XX | 85.000% | 85.000% | Primary | Refinance | 729 | 5 | XX | 3.16 | $16552.22 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 30.462% |  | Alternative | QC Complete | 11/11/2025 |
| 393 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide supporting documents for $1,197.01 the primary property "XX" as it is missing.<br>Resolved 11/24/2025 - Received mortgage statement for primary property, condition resolved. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Subject property is a log home.<br>A copy of an exception approval letter is available in the loan file. | FICO: 758 FICO exceeds the guideline requirement of 700.<br>Residual Income : $7,174.41 monthly <br>DTI: 44.44% DTI is less than the maximum guideline requirement of 50.00%. | PUD | XX | 68.908% | 68.908% | Investor | Cash Out | 758 |  | XX | 16.75 | $12912.84 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $211264.47 | 44.440% |  | Alternative | QC Complete | 11/11/2025 |
| 395 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX | 80.000% | 80.000% | Investor | Purchase | 770 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 10/22/2025 |
| 396 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 82.432% | 82.432% | Investor | Refinance | 749 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | DSCR | QC Complete | 10/28/2025 |
| 398 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Title Issue - EV R<br> COMMENT: Missing the settlement agent's liability policy. (Errors & omissions policy).<br>Resolved 11/04/2025 - Received E&O Policy, condition resolved. |  |  | PUD | XX | 80.000% | 80.000% | Primary | Purchase | 805 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 10/28/2025 |
| 399 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 69.838% | 69.838% | Investor | Cash Out | 721 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $64699.75 |  |  | DSCR | QC Complete | 11/28/2025 |
| 401 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 729 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 11/13/2025 |
| 402 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 806 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 10/29/2025 |
| 403 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX | 79.817% | 79.817% | Investor | Purchase | 733 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 11/13/2025 |
| 404 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 70.000% | 70.000% | Investor | Purchase | 797 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 10/27/2025 |
| 405 | XX | XX |  | XX | XX | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Request to waive the 2nd appraisal report. The CDA variance is -15.6% but the CDA value is $XX and the purchase price is $XX. Both the appraisal and CDA support the appraised value.<br>A copy of an exception approval letter is available in the loan file. | DTI: 45.50% DTI is less than the maximum guideline requirement of 50.00%.<br>FICO: 748 FICO exceeds the guideline requirement of 740.<br>Reserves: The 13 months of available reserves are more than the guideline requirement of 9 months. | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 748 |  | XX | 9.75 | $2126.47 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 44.965% | No | Full Documentation | QC Complete | 11/12/2025 |
| 406 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 60.150% | 60.150% | Primary | Cash Out | 752 | 2 | XX | 21.41 | $14044.65 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $219957.05 | 28.030% |  | Alternative | QC Complete | 11/13/2025 |
| 407 | XX | XX |  | XX | XX | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Loan file does not meet guidelines requirement. As per guidelines 50% DTI allowed. However, Calculated DTI is 52.575%<br>A copy of an exception approval letter is available in the loan file. | FICO: 783 FICO exceeds the guideline requirement of 700.<br>Reserves: The 74 months of available reserves are more than the guideline requirement of 8 months.<br>LTV: 70.00% LTV is less than the guideline requirement of 85.00%. | PUD | XX | 70.000% | 70.000% | Primary | Purchase | 783 |  | XX |  | $1339.40 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 52.575% | No | Full Documentation | QC Complete | 01/15/2026 |
| 411 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 59.206% | 59.206% | Investor | Refinance | 805 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | DSCR | QC Complete | 11/11/2025 |
| 412 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The amount of title insurance $XX does not cover the loan amount $XX. Provide a copy of the title updated supplement report to cover the loan amount.<br>Resolved 10/29/2025 - Received title report with insured amount, condition resolved. |  |  | PUD | XX | 75.000% | 75.000% | Primary | Purchase | 790 |  | XX | 7.91 | $24201.30 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 33.541% | Yes | Full Documentation | QC Complete | 10/22/2025 |
| 414 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Assets are not sufficient to close - EV R<br> COMMENT: The available assets are insufficient to cover the required reserves and cash to close. Please provide a copy of the seller statement or seller closing disclosure for the property at XXt for $XX, as this document is currently missing.<br>Resolved 11/03/2025 - Received Seller CD with closing amount $XX for property # XX, condition resolved. |  |  | PUD | XX | 85.000% | 85.000% | Primary | Purchase | 750 |  | XX | 3.08 | $38279.36 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 27.044% | No | Alternative | QC Complete | 10/22/2025 |
| 418 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide updated supplemental report with amount of title insurance covering the loan amount $XX<br>Resolved 10/31/2025 - Received title supplement report with insured amount, condition resolved. |  |  | Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 740 |  | XX | 21.33 | $69500.61 | Mos Reviewed:24<br> Times 1X30:2<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 15.875% | No | Alternative | QC Complete | 01/15/2026 |
| 420 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX | 58.571% | 58.571% | Primary | Cash Out | 756 | 1.91 | XX | 13.66 | $17830.93 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $15596.16 | 35.922% |  | Alternative | QC Complete | 12/02/2025 |
| 421 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 62.162% | 62.162% | Primary | Purchase | 676 |  | XX | 17.75 | $18226.24 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 34.258% | No | Alternative | QC Complete | 10/21/2025 |
| 423 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 75.000% | 75.000% | Investor | Purchase | 755 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 10/29/2025 |
| 425 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 57.389% | 57.389% | Primary | Refinance | 801 | 0.5 | XX | 5.5 | $138026.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 19.130% |  | Alternative | QC Complete | 11/04/2025 |
| 426 | XX | XX |  | XX | XX | Non-QM/Compliant | 4 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.867% Allowed 7.720% Overby+1.147%<br>This loan is compliant with regulation 1026.35. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Exception requested for limited documentation to sufficiently verify rental payments.<br>A copy of an exception approval letter is available in the loan file. | FICO: 794 FICO exceeds the guideline requirement of 720.<br>DTI: 35.17% DTI is less than the maximum guideline requirement of 43.00%.<br>Reserves: The 19 months of available reserves are more than the guideline requirement of 3 months. | Single Family | XX | 90.000% | 90.000% | Primary | Purchase | 773 |  | XX | 2.58 | $11285.71 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 35.175% | Yes | Alternative | QC Complete | 01/15/2026 |
| 427 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 85.000% | 85.000% | Investor | Purchase | 753 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 11/25/2025 |
| 428 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Please provide copies of the lease extension agreements for XX (Units 1, 2, and 3), as all current leases have expired.<br>Resolved 11/14/2025 - Received lease agreement, condition resolved. |  |  | 4 Family | XX | 55.556% | 55.556% | Investor | Cash Out | 767 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $343836.58 |  |  | DSCR | QC Complete | 11/11/2025 |
| 429 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 724 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 10/29/2025 |
| 432 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 75.000% | 75.000% | Investor | Purchase | 712 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 11/25/2025 |
| 434 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of condo questionnaire as it is missing.<br>Resolved 11/04/2025 - Received LOX as condo questionnaire is not required for FNMA Approved project, condition resolved. |  |  | High Rise Condo (>=9 Stories) | XX | 80.000% | 80.000% | Primary | Purchase | 796 |  | XX | 0.08 | $13591.67 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 23.487% | Yes | Full Documentation | QC Complete | 10/29/2025 |
| 435 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 80.000% | 80.000% | Primary | Purchase | 808 |  | XX | 2 | $46145.76 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 9.597% | Yes | Alternative | QC Complete | 11/11/2025 |
| 437 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 75.000% | 75.000% | Investor | Purchase | 796 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 11/10/2025 |
| 438 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX | 80.000% | 80.000% | Primary | Purchase | 724 |  | XX | 2.16 | $6912.29 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 33.676% | Yes | Alternative | QC Complete | 11/20/2025 |
| 441 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide updated supplemental report with amount of title insurance covering the loan amount $XX<br>Resolved 10/20/2025 : Received title report with amount of title insurance covering the loan amount, condition resolved. |  |  | Single Family | XX | 44.980% | 44.980% | Primary | Purchase | 809 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 10/08/2025 |
| 442 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 75.000% | 75.000% | Investor | Cash Out | 745 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $136337.11 |  |  | DSCR | QC Complete | 11/21/2025 |
| 447 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Missing Final Closing Disclosure.<br>Resolved 10/29/2025: Received Final Closing Disclosure dated 10/XX/2025 and exception is cleared. |  |  | 3 Family | XX | 80.000% | 80.000% | Investor | Purchase | 734 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 01/15/2026 |
| 450 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 80.000% | 80.000% | Primary | Refinance | 796 | 1.66 | XX | 9.33 | $12591.67 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 49.228% |  | Full Documentation | QC Complete | 11/25/2025 |
| 451 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of proof of omission for below liability account:<br>1)XX Balance:$8, 0000 and Payment:$516<br> 2)XX Balance:$5,000 and Payment $390<br>Resolved 11/17/2025 - Received Lender response, condition resolved. |  |  | PUD | XX | 68.841% | 68.841% | Primary | Refinance | 677 | 8.08 | XX | 7.75 | $28492.23 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 41.385% |  | Alternative | QC Complete | 11/11/2025 |
| 452 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of the lease agreement for the subject property located at XX<br>Resolved 11/14/2025 - Purchase investment not required lease agreement, condition resolved. |  |  | 2 Family | XX | 80.000% | 80.000% | Investor | Purchase | 752 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 11/07/2025 |
| 453 | XX | XX |  | XX | XX | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Credit: Housing Payment History : waive prior verification of rent from when borrower was living overseas. <br>A copy of an exception approval letter is available in the loan file. | FICO: 766 FICO exceeds the guideline requirement of 720.<br>Reserves: The 7 months of available reserves are more than the guideline requirement of 6 months.<br>DSCR: 1.52 DSCR exceeds the guideline requirement of 1.00. | 2 Family | XX | 85.000% | 85.000% | Investor | Purchase | 766 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 12/04/2025 |
| 455 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX | 75.000% | 75.000% | Investor | Purchase | 784 |  | XX | 5.91 | $46739.59 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 33.788% | No | Alternative | QC Complete | 11/21/2025 |
| 457 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX | 80.000% | 80.000% | Investor | Purchase | 742 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 11/25/2025 |
| 458 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: The Hazard insurance policy binders in the loan file that are "active" are both dated 10/XX/2025 however, the note & close of escrow date is 10/XX2/2025. There was no active policy in place at the time of official close of the subject transaction. (there are several "QUOTED policies in the file however, those are not active or in place prior to or equal to the note date/close date). Guidelines require Hazard insurance be effective on or before the note/close date. A valid policy should have been obtained to document the building's dwelling coverage prior to close.<br>Resolved 10/23/2025 - Received Client response as " This is an escrow state and the loan did not disburse until 10/XX. There for the hoi policy dated 10/XX was valid ", condition resolved. |  |  | 4 Family | XX | 85.000% | 85.000% | Investor | Purchase | 805 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 10/15/2025 |
| 462 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 60.000% | 60.000% | Investor | Cash Out | 750 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $142192.29 |  |  | DSCR | QC Complete | 10/06/2025 |
| 465 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX | 80.000% | 80.000% | Primary | Cash Out | 785 | 1.08 | XX | 30.75 | $10550.33 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $393077.36 | 39.296% |  | Alternative | QC Complete | 11/07/2025 |
| 466 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 75.000% | 75.000% | Investor | Purchase | 777 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 11/11/2025 |
| 467 | XX | XX |  | XX | XX | Non-QM/Compliant | 4 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.134% Allowed 7.740% Overby +0.394%<br>This loan is compliant with regulation 1026.35<br>\*\*\* (CURED) State Higher Price Mortgage Loan - EV R<br> COMMENT: Maryland COMAR 09.03.06.02B(13) , COMAR09.03.09.02B(6) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of Maryland Regulations (COMAR).<br>MD COMAR Higher-Priced Mortgage Loan Test: Charged 8.134% Allowed 7.740% Overby +0.394%<br>This loan is compliant with regulation Maryland COMAR 09.03.06.02B(13) , COMAR09.03.09.02B(6). | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: FICO = 4 pt FICO exception to allow up to max LTV of 90%<br>A copy of an exception approval letter is available in the loan file. | DTI: 44.62% DTI is less than the maximum guideline requirement of 50.00%.<br>Residual Income: $8,761.38 monthly. | PUD | XX | 90.000% | 90.000% | Primary | Purchase | 716 |  | XX | 8.83 | $9340.25 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 44.625% | Yes | Alternative | QC Complete | 11/14/2025 |
| 471 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 78.548% | 78.548% | Investor | Purchase | 741 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 11/21/2025 |
| 473 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Subject or Comp Photos are missing or illegible - EV R<br> COMMENT: Rent comparable #1 photos are missing from the loan package. Provide photos of rent comparable #1 listed in the appraisal.<br>Resolved 11/25/2025 - Received corrected comparable 1 photos, condition resolved. |  |  | Single Family | XX | 75.000% | 75.000% | Investor | Cash Out | 735 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $37575.62 |  |  | DSCR | QC Complete | 11/12/2025 |
| 475 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 65.753% | 65.753% | Primary | Purchase | 802 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 11/13/2025 |
| 478 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Income documentation does not meet guidelines - EV R<br> COMMENT: Proof of disability income and documentation for the 2024 tax extension are missing.<br>Resolved 10/22/2025 - Received disability income document, condition resolved. |  |  | Low Rise Condo (1-4 Stories) | XX | 75.000% | 75.000% | Investor | Purchase | 729 |  | XX |  | $28145.50 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 36.598% | No | Full Documentation | QC Complete | 10/13/2025 |
| 479 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide an updated appraisal report with occupancy as "Tenant" or "vacant" as the transaction type is refinance of investment.<br>Resolved 11/25/2025 - Received revised appraisal report, condition resolved.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Missing Final Closing Disclosure.<br>Resolved 11/21/2025: Received Final Closing Disclosure dated 10/XX/2025 and exception is cleared. |  |  | Low Rise Condo (1-4 Stories) | XX | 56.601% | 56.601% | Investor | Refinance | 762 |  | XX | 12.08 | $32453.70 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 29.160% |  | Full Documentation | QC Complete | 01/15/2026 |
| 485 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 85.000% | 85.000% | Primary | Purchase | 759 |  | XX | 6.75 | $14763.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 34.274% | No | Alternative | QC Complete | 11/13/2025 |
| 488 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 795 |  | XX | 2.58 | $25175.94 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 34.947% | Yes | Alternative | QC Complete | 11/12/2025 |
| 489 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The amount of title insurance $XX does not cover the loan amount $XX. Provide a copy of the title supplement report to cover the loan amount.<br>Resolved 11/14/2025 - Received title report, condition resolved. |  |  | Single Family | XX | 75.000% | 75.000% | Investor | Cash Out | 735 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $42933.50 |  |  | DSCR | QC Complete | 11/12/2025 |
| 493 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 3 Family | XX | 75.000% | 75.000% | Investor | Purchase | 775 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 11/07/2025 |
| 494 | XX | XX |  | XX | XX | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Required Documentation Missing - EV W<br> COMMENT: Income to allow joint bank statement for SELF product without requiring joint owner to be on the loan. <br>A copy of an exception approval letter is available in the loan file. | FICO: 802 FICO exceeds the guideline requirement of 740.<br>DTI: 38.37% DTI is less than the maximum guideline requirement of 50.00%.<br>Residual Income : $$5,417.81.00 monthly | Single Family | XX | 75.000% | 75.000% | Primary | Purchase | 802 |  | XX | 1.08 | $8791.48 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 38.374% | No | Alternative | QC Complete | 10/28/2025 |
| 495 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX | 80.000% | 80.000% | Investor | Purchase | 747 |  | XX | 0.58 | $12500.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 41.828% | No | Full Documentation | QC Complete | 12/04/2025 |
| 496 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 26.970% | 26.970% | Primary | Cash Out | 740 | 13.25 | XX | 3.5 | $14272.06 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $61146.63 | 22.703% |  | Alternative | QC Complete | 11/04/2025 |
| 497 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 55.090% | 55.090% | Primary | Purchase | 781 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | Yes | Alternative | QC Complete | 10/29/2025 |
| 500 | XX | XX |  | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.015% Allowed 7.670% Overby +0.345%.<br>This loan is compliant with regulation 1026.35. |  |  | Low Rise Condo (1-4 Stories) | XX | 90.000% | 90.000% | Primary | Purchase | 733 |  | XX | 20.91 | $18190.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 44.241% | Yes | Alternative | QC Complete | 11/24/2025 |
| 502 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 68.928% | 68.928% | Investor | Cash Out | 709 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $210040.17 |  |  | DSCR | QC Complete | 11/13/2025 |
| 503 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 62.667% | 62.667% | Primary | Refinance | 798 | 2.75 | XX | 5.42 | $114042.96 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 9.206% |  | Alternative | QC Complete | 11/20/2025 |
| 505 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX | 75.000% | 75.000% | Investor | Cash Out | 729 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $205828.86 |  |  | DSCR | QC Complete | 11/12/2025 |
| 506 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 78.740% | 78.740% | Investor | Purchase | 785 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 10/22/2025 |
| 508 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX | 80.000% | 80.000% | Secondary | Purchase | 794 |  | XX | 17.66 | $47430.66 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 23.534% | No | Full Documentation | QC Complete | 10/21/2025 |
| 511 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 778 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 10/24/2025 |
| 512 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide updated supplemental report with amount of title insurance covering the loan amount $XX<br>Resolved 12/2/2025 - Received title report with insured amount, condition resolved. |  |  | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 749 |  | XX | 2.83 | $38035.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 14.449% | No | Alternative | QC Complete | 11/21/2025 |
| 513 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | High Rise Condo (>=9 Stories) | XX | 75.000% | 75.000% | Investor | Purchase | 808 |  | XX | 25.16 | $67026.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 14.739% | No | Alternative | QC Complete | 10/29/2025 |
| 514 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Hazard Insurance - EV R<br> COMMENT: The Hazard Insurance in the loan file lists the property address however, it is incomplete. The location premises insured is listed as "XX" without a street number. The subject property should be listed in full as stated on the Note and all other loan documents. XXt).<br>Resolved 11/11/2025 - Received updated insurance document, condition resolved. |  |  | PUD | XX | 80.000% | 80.000% | Primary | Purchase | 771 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 10/15/2025 |
| 515 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX | 80.000% | 80.000% | Investor | Purchase | 779 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 10/24/2025 |
| 517 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 58.567% | 58.567% | Investor | Cash Out | 741 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $105074.61 | 37.088% |  | Full Documentation | QC Complete | 10/27/2025 |
| 518 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 70.000% | 70.000% | Primary | Cash Out | 668 | 0.58 | XX | 9.41 | $15470.37 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $449160.12 | 30.353% |  | Alternative | QC Complete | 01/16/2026 |
| 520 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 25.157% | 25.157% | Investor | Cash Out | 797 |  | XX |  | $1557.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $91948.57 | 26.076% |  | Full Documentation | QC Complete | 11/10/2025 |
| 521 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 80.000% | 80.000% | Primary | Cash Out | 765 | 2.33 | XX | 15.58 | $85904.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $100925.48 | 32.704% |  | Alternative | QC Complete | 12/04/2025 |
| 523 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | High Rise Condo (>=9 Stories) | XX | 64.010% | 64.010% | Investor | Purchase | 757 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 10/24/2025 |
| 527 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX | 70.000% | 70.000% | Secondary | Cash Out | 790 |  | XX | 8.42 | $99849.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $480574.34 | 20.247% |  | Alternative | QC Complete | 11/11/2025 |
| 528 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide hazard Insurance for subject property with correct mortgagee clause.<br>Resolved 11/20/2025 - Received insurance with mortgage clause, condition resolved. |  |  | Single Family | XX | 70.000% | 70.000% | Investor | Cash Out | 712 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $99964.79 |  |  | DSCR | QC Complete | 11/05/2025 |
| 529 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide an updated master policy with borrower name & mortgage clause reflecting on it.<br>Resolved 11/19/2025 - Received LOE as the master policy does not mandatory to list borrower and XX mortgagee clause, condition resolved. |  |  | Low Rise Condo (1-4 Stories) | XX | 75.000% | 75.000% | Investor | Purchase | 730 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 11/13/2025 |
| 530 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 72.006% | 72.006% | Primary | Refinance | 765 | 0.75 | XX | 21.25 | $13339.86 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 42.920% |  | Alternative | QC Complete | 11/11/2025 |
| 531 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 70.543% | 70.543% | Investor | Purchase | 784 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 11/04/2025 |
| 533 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) ComplianceEase TRID Tolerance Test is Incomplete - EV R<br> COMMENT: Missing Initial Closing Disclosure.<br>Needed initial Closing Disclosure prior to 3 business days of consummation date 10/XX/2025.<br>Resolved 11/17/2025: Received Initial Closing Disclosure dated 10/XX/2025 and exception is cleared. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Having 2024 and 2023 transcripts, missing record of account, already have confirmation on IRS payment plan<br>A copy of an exception approval letter is available in the loan file. | FICO: 765 FICO exceeds the guideline requirement of 720.<br>LTV: 77.84% LTV is less than the guideline requirement of 85.00%.<br>DTI: 44.41% DTI is less than the maximum guideline requirement of 50.00%. | PUD | XX | 80.000% | 80.000% | Primary | Purchase | 765 |  | XX | 3.83 | $38475.68 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 44.415% | No | Full Documentation | QC Complete | 11/10/2025 |
| 534 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of hazard insurance with Mortgage Clause.<br>Resolved 11/20/2025 - Received insurance document with mortgage clause, condition resolved. |  |  | 2 Family | XX | 80.000% | 80.000% | Investor | Purchase | 817 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 11/11/2025 |
| 538 | XX | XX |  | XX | XX | Not Covered/Exempt | 2 | 2 | 1 | 2 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Property Issues indicated - EV W<br> COMMENT: The subject is a log cabin; it is not acceptable by the guidelines. <br>A copy of an exception approval letter is available in the loan file. | FICO: 793 FICO exceeds the guideline requirement of 720.<br>DSCR: 1.15 DSCR exceeds the guideline requirement of 1.00.<br>Reserves: The 47 months of available reserves are more than the guideline requirement of 6 months. | PUD | XX | 80.000% | 80.000% | Investor | Purchase | 793 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 01/15/2026 |
| 539 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 80.000% | 80.000% | Investor | Purchase | 801 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 12/09/2025 |
| 540 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 4 Family | XX | 80.000% | 80.000% | Investor | Purchase | 746 |  | XX | 7.58 | $16999.05 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 49.886% | No | Full Documentation | QC Complete | 10/27/2025 |
| 543 | XX | XX |  | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 7.880% Allowed 7.790% Overby +0.090%<br>This loan is compliant with regulation 1026.35. |  |  | PUD | XX | 85.000% | 85.000% | Primary | Purchase | 813 |  | XX | 6.25 | $11441.48 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 44.947% | Yes | Alternative | QC Complete | 11/14/2025 |
| 545 | XX | XX |  | XX | XX | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Project legals allow fractional ownership and Insufficient reserves, 5.14% reserve allocation andonly 12.74% reserve balance (20% required)<br>A copy of an exception approval letter is available in the loan file.<br>\*\*\* (WAIVED) Property Type does not meet eligibility requirement(s) - EV W<br> COMMENT: Requesting SLE as condo is XX square feet which is less than the minimum square footage allowed of 500 sq ft<br>A copy of an exception approval letter is available in the loan file. | FICO: 753 FICO exceeds the guideline requirement of 720.<br>DTI: 26.21% DTI is less than the maximum guideline requirement of 50.00%.<br>LTV: 80.00% LTV is less than the guideline requirement of 85.00%.<br>FICO: 753 FICO exceeds the guideline requirement of 720.<br>DTI: 26.21% DTI is less than the maximum guideline requirement of 50.00%.<br>LTV: 80.00% LTV is less than the guideline requirement of 85.00%. | Mid Rise Condo (5-8 Stories) | XX | 80.000% | 80.000% | Investor | Purchase | 753 |  | XX | 4.25 | $14666.66 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 26.208% | No | Full Documentation | QC Complete | 11/04/2025 |
| 546 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Please correct the property address on the hazard insurance to: XX<br>Resolved 11/7/2025 - Received hazard insurance document with corrected property address, condition resolved. |  |  | Low Rise Condo (1-4 Stories) | XX | 70.000% | 70.000% | Secondary | Purchase | 719 |  | XX | 3.58 | $34758.15 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 31.751% | No | Alternative | QC Complete | 10/13/2025 |
| 547 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX | 80.000% | 80.000% | Investor | Purchase | 810 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 12/01/2025 |
| 548 | XX | XX |  | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 9.155% Allowed 8.810% Overby +0.345%<br>This loan is compliant with regulation 1026.35. |  |  | PUD | XX | 90.000% | 90.000% | Primary | Purchase | 733 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 15.187% | No | Alternative | QC Complete | 10/29/2025 |
| 553 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Borrower Identity Missing - EV R<br> COMMENT: Provide a copy of the driver's license or other acceptable form of identification for the borrower, as it is missing.<br>Resolved 10/09/2025 - Received GOV ID, condition resolved.<br>\*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide updated copies of the loan approval and Form 1008, as both currently show a loan amount of $XX, which does not match the Note reflecting $XX<br>Resolved 10/10/2025 - Received Updated 1008 document with loan amount, condition resolved. |  |  | Single Family | XX | 76.236% | 76.236% | Investor | Purchase | 790 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 10/07/2025 |
| 555 | XX | XX |  | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z<br>Higher-Priced Mortgage Loan Test: Charged 8.011% Allowed 7.740% Overby +0.271%<br>This loan is compliant with regulation 1026.35. |  |  | Single Family | XX | 50.000% | 50.000% | Primary | Cash Out | 659 | 4.75 | XX | 2.5 | $22955.39 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $92010.48 | 16.582% |  | Alternative | QC Complete | 01/16/2026 |
| 556 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide income documentation verifying $2,575.08 for the borrower, XX<br>Resolved 10/31/2025 - Received Lender LOX with proof of income in available bank statement, condition resolved.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide income documentation verifying $9,379.35 for the borrower, XX<br>Resolved 10/31/2025 - Received Lender LOX with proof of income in available bank statement, condition resolved. |  |  | Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 759 |  | XX |  | $9379.35 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 47.364% | No | Alternative | QC Complete | 10/24/2025 |
| 557 | XX | XX |  | XX | XX | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: XX XX 30 Year Fixed 1 Yr Bank Stmt<br>A copy of an exception approval letter is available in the loan file. | FICO: 738 FICO exceeds the guideline requirement of 700.<br>LTV: 70.98% LTV is less than the guideline requirement of 80.00%.<br>Reserves: The 23 months of available reserves are more than the guideline requirement of 6 months. | Single Family | XX | 70.976% | 70.976% | Primary | Cash Out | 738 | 17 | XX | 10.66 | $5842.78 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $157440.04 | 49.951% |  | Alternative | QC Complete | 11/07/2025 |
| 559 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide updated supplemental report with amount of title insurance covering the loan amount XX.<br>Resolved 11/14/2025 - Received title policy, condition resolved. |  |  | Single Family | XX | 49.371% | 49.371% | Primary | Refinance | 789 | 30 | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 11/07/2025 |
| 561 | XX | XX |  | XX | XX | Non-QM/Compliant | 4 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Credit history does not meet guidelines - EV R<br> COMMENT: The loan does not meet the requirement of having three (3) tradelines from traditional credit sources that have been reported for at least 12 months prior to the application date (open or closed), including at least one (1) tradeline that has been reported for a minimum of twenty-four (24) months.<br>Resolved on 11/17/2025: Received credit supplement to verify 24 months payment history , condition resolved.<br>\*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 9.516% Allowed 7.740% Overby +1.776%<br>This loan is compliant with regulation 1026.35. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: EAD/Visa/Green Card<br>A copy of an exception approval letter is available in the loan file. | FICO: 726 FICO exceeds the guideline requirement of 720.<br>Reserves: The 6 months of available reserves are more than the guideline requirement of 3 months.<br>DTI: 27.77% DTI is less than the maximum guideline requirement of 50.00%. | Single Family | XX | 90.000% | 90.000% | Primary | Purchase | 726 |  | XX | 2.25 | $10589.29 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 27.766% | Yes | Alternative | QC Complete | 11/10/2025 |
| 562 | XX | XX |  | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 7.832% Allowed 7.810% Overby +0.022%<br>This loan is compliant with regulation 1026.35. |  |  | Low Rise Condo (1-4 Stories) | XX | 90.000% | 90.000% | Primary | Purchase | 761 |  | XX | 0.83 | $4583.33 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 47.373% | No | Full Documentation | QC Complete | 10/29/2025 |
| 563 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Subject or Comp Photos are missing or illegible - EV R<br> COMMENT: Rent comparable photos are missing from the loan file. Please provide photos for all rent comparables listed in the appraisal.<br>Resolved 11/04/2025 - Received Rent comparable, condition resolved. |  |  | Single Family | XX | 44.811% | 44.811% | Investor | Cash Out | 750 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $465438.52 |  |  | DSCR | QC Complete | 10/27/2025 |
| 564 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of lease agreement for XX, as it is currently missing from the loan file.<br>Resolved 11/21/2025 - Received lease agreement, condition resolved. |  |  | 2 Family | XX | 62.292% | 62.292% | Investor | Refinance | 750 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | DSCR | QC Complete | 11/14/2025 |
| 565 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 57.971% | 57.971% | Primary | Purchase | 762 |  | XX | 19.75 | $25412.59 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 46.989% | No | Full Documentation | QC Complete | 01/16/2026 |
| 570 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The amount of title insurance of $XX on the Title Commitment is less than the loan amount $XX<br>Resolved 10/29/2025 - Received final title policy, condition resolved. |  |  | Single Family | XX | 72.838% | 72.838% | Investor | Cash Out | 802 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $322755.38 |  |  | DSCR | QC Complete | 10/24/2025 |
| 572 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 72.826% | 72.826% | Primary | Cash Out | 727 | 2 | XX | 5.16 | $4905.55 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $48074.72 | 49.349% |  | Alternative | QC Complete | 10/28/2025 |
| 573 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX | 80.000% | 80.000% | Primary | Purchase | 733 |  | XX | 8.66 | $8081.58 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 38.756% | No | Full Documentation | QC Complete | 11/13/2025 |
| 574 | XX | XX |  | XX | XX | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Lack of full 2 year foreign income verification prior to employment gap<br>A copy of an exception approval letter is available in the loan file. | FICO: 756 FICO exceeds the guideline requirement of 720.<br>DTI: 42.36% DTI is less than the maximum guideline requirement of 50.00%.<br>LTV: 80.00% LTV is less than the guideline requirement of 85.00%. | Low Rise Condo (1-4 Stories) | XX | 80.000% | 80.000% | Investor | Purchase | 756 |  | XX | 1.75 | $3250.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 42.357% | No | Full Documentation | QC Complete | 10/31/2025 |
| 576 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 85.000% | 85.000% | Investor | Refinance | 724 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | DSCR | QC Complete | 11/12/2025 |
| 578 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX | 80.000% | 80.000% | Investor | Purchase | 746 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 11/05/2025 |
| 579 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 67.213% | 67.213% | Primary | Refinance | 762 | 2.75 | XX | 4.16 | $16708.43 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 33.171% |  | Full Documentation | QC Complete | 11/13/2025 |
| 580 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 3 Family | XX | 70.000% | 70.000% | Investor | Purchase | 756 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 11/10/2025 |
| 582 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 4 Family | XX | 80.000% | 80.000% | Investor | Purchase | 725 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 12/09/2025 |
| 583 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 3 Family | XX | 74.657% | 74.657% | Investor | Refinance | 746 |  | XX | 12.08 | $28248.09 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 41.797% |  | Full Documentation | QC Complete | 10/28/2025 |
| 584 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 75.000% | 75.000% | Investor | Purchase | 790 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 11/10/2025 |
| 585 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Subject or Comp Photos are missing or illegible - EV R<br> COMMENT: Provide a copy of the updated appraisal report, including interior photos, comparable sales photos, and page 7, which is currently missing.<br>Resolved 11/11/2025 - Received appraisal report page no 7, condition resolved. |  |  | 2 Family | XX | 75.000% | 75.000% | Investor | Purchase | 702 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 10/29/2025 |
| 587 | XX | XX |  | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) DTI > 50% - EV R<br> COMMENT: Provide documentation to support the exclusion of XX<br>Resolved 11/28/2025 - Received LOX as the account is paid off, condition resolved. |  |  | Single Family | XX | 75.000% | 75.000% | Primary | Cash Out | 740 | 19 | XX | 3.41 | $11553.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $67154.66 | 48.382% |  | Alternative | QC Complete | 11/21/2025 |
| 588 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Missing required 1-4 family rider - EV R<br> COMMENT: Provide a copy of 1-4 family rider, as it is missing.<br>Resolved 10/21/2025 - Received 1-4 family rider, condition resolved.<br>\*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of the closing protection letter (CPL), as it is missing.<br>Resolved 10/21/2025 - Received Lender response "there is no CPL for the state of NY, they use an attorney who is required to carry E&O and XX coverage", condition resolved. |  |  | Single Family | XX | 85.000% | 85.000% | Investor | Purchase | 758 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 10/15/2025 |
| 589 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 744 |  | XX | 5.58 | $13354.60 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 35.864% | Yes | Alternative | QC Complete | 11/12/2025 |
| 590 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of Borrower Govt-ID as it is missing<br>Resolved 11/17/2025 - Received GOV ID, condition resolved. |  |  | Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 726 |  | XX | 6.18 | $37745.39 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 16.472% | Yes | Alternative | QC Complete | 11/12/2025 |
| 591 | XX | XX |  | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z<br>Higher-Priced Mortgage Loan Test: Charge 7.965% Allowed 7.740% Overby+0.225%<br>This loan is compliant with regulation 1026.35. |  |  | Single Family | XX | 85.000% | 85.000% | Primary | Purchase | 716 |  | XX | 5.75 | $20665.43 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 26.578% | No | Alternative | QC Complete | 11/10/2025 |
| 592 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 715 |  | XX | 4.33 | $8768.47 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 38.253% | No | Alternative | QC Complete | 11/12/2025 |
| 593 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 85.000% | 85.000% | Primary | Purchase | 772 |  | XX | 2.25 | $20503.78 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 42.637% | No | Alternative | QC Complete | 11/25/2025 |
| 597 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Missing Title evidence - EV R<br> COMMENT: Missing Title commitment/Preliminary report.<br>Resolved 10/31/2025 - Received title report, condition resolved. |  |  | 4 Family | XX | 80.000% | 80.000% | Investor | Purchase | 794 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 10/27/2025 |
| 600 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX | 70.000% | 70.000% | Investor | Cash Out | 701 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $111466.24 |  |  | DSCR | QC Complete | 11/12/2025 |
| 601 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 70.000% | 70.000% | Secondary | Purchase | 798 |  | XX | 24.08 | $26510.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 19.132% | No | Full Documentation | QC Complete | 11/20/2025 |
| 604 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 51.566% | 51.566% | Primary | Purchase | 776 |  | XX | 6.08 | $23097.08 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 26.517% | No | Alternative | QC Complete | 11/10/2025 |
| 606 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 75.000% | 75.000% | Primary | Purchase | 779 |  | XX | 6.83 | $32077.73 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 41.786% | No | Alternative | QC Complete | 11/13/2025 |
| 607 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX | 80.000% | 80.000% | Investor | Purchase | 744 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 10/28/2025 |
| 609 | XX | XX |  | XX | XX | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: To allow a non-per resident with a H1B VISA<br>A copy of an exception approval letter is available in the loan file. | DSCR: 1.50 DSCR exceeds the guideline requirement of 0.50.<br>FICO: 734 FICO exceeds the guideline requirement of 720.<br>Reserves: The 275 months of available reserves are more than the guideline requirement of 6 months. | 2 Family | XX | 80.000% | 80.000% | Investor | Purchase | 734 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 10/24/2025 |
| 610 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX | 75.000% | 75.000% | Investor | Purchase | 803 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 11/04/2025 |
| 612 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 80.000% | 80.000% | Primary | Cash Out | 755 | 4.33 | XX | 7.5 | $25224.02 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $366247.40 | 23.987% |  | Alternative | QC Complete | 10/27/2025 |
| 613 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 783 |  | XX | 8.67 | $14435.54 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 35.742% | No | Full Documentation | QC Complete | 10/27/2025 |
| 615 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX | 80.000% | 80.000% | Investor | Purchase | 789 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 10/27/2025 |
| Removed from deal | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 70.000% | 70.000% | Investor | Purchase | 742 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 01/16/2026 |
| 621 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 80.000% | 80.000% | Primary | Purchase | 724 |  | XX | 5.83 | $51634.19 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 37.492% | No | Alternative | QC Complete | 12/10/2025 |
| 623 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The amount of proposed Lender's coverage on the Title Preliminary Title is less than the loan amount. The supplement report reflects coverage in the amount of $XX, however, the Note reflects a loan amount of $XX.<br>Resolved 10/31/2025 - Received final title policy, condition resolved.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide bank statement #XX for month of August 2025.<br>Resolved 11/03/2025 - Received online bank statement sheet for Aug 2025, condition resolved. |  |  | Single Family | XX | 63.153% | 63.153% | Investor | Refinance | 766 |  | XX | 9.75 | $13944.50 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 32.005% |  | Alternative | QC Complete | 10/27/2025 |
| 624 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 3 Family | XX | 80.000% | 80.000% | Investor | Refinance | 750 |  | XX | 3.25 | $18446.58 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 46.989% |  | Full Documentation | QC Complete | 10/28/2025 |
| 625 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX | 70.000% | 70.000% | Investor | Purchase | 723 |  | XX | 4 | $10354.45 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 42.254% | No | Full Documentation | QC Complete | 10/29/2025 |
| 626 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: A copy of the April 2025 bank statement for account #XX at XX is missing from the loan documentation.<br>Resolved 11/14/2025 - Received April month statement, condition resolved. |  |  | Single Family | XX | 64.706% | 64.706% | Primary | Cash Out | 762 | 7.5 | XX | 10 | $13333.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $323031.54 | 38.761% |  | Alternative | QC Complete | 11/11/2025 |
| 627 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide updated supplemental report with amount of title insurance covering the loan amount $XX<br>Resolved 11/28/2025 - Received title insured amount, condition resolved. |  |  | Single Family | XX | 75.000% | 75.000% | Primary | Purchase | 768 |  | XX | 6.58 | $27756.36 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 27.903% | No | Alternative | QC Complete | 11/10/2025 |
| 628 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 80.000% | 80.000% | Primary | Cash Out | 740 | 9 | XX | 10 | $22069.99 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $193233.29 | 42.025% |  | Alternative | QC Complete | 11/20/2025 |
| 629 | XX | XX |  | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Original LTV (OLTV) does not meet eligibility requirement(s) - EV R<br> COMMENT: Guidelines permit a maximum LTV of 75% for condotel properties; however, the submitted loan reflects an 80% LTV, which does not meet requirements.<br>Resolved 10/21/2025 - 75% max LTV for a condotel only applies when the loan is a cash out refinance. This loan is a purchase. LOE provided, condition resolved |  |  | Low Rise Condo (1-4 Stories) | XX | 80.000% | 80.000% | Secondary | Purchase | 780 |  | XX | 2.25 | $19020.17 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 43.335% | No | Full Documentation | QC Complete | 10/13/2025 |
| 632 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Initial Escrow Acct Disclosure missing; loan has escrows - EV R<br> COMMENT: Missing Initial Escrow Account Disclosure.<br>Resolved 11/14/2025: Received Initial Escrow Account Disclosure dated 10/29/2025 and exception is cleared. |  |  | Low Rise Condo (1-4 Stories) | XX | 59.138% | 59.138% | Secondary | Refinance | 786 |  | XX | 16.17 | $79956.15 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 12.230% |  | Alternative | QC Complete | 11/12/2025 |
| 633 | XX | XX |  | XX | XX | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) DTI > 50% - EV W<br> COMMENT: DTI of 54% exceeds max of 50% <br>A copy of an exception approval letter is available in the loan file. | FICO: 734 FICO exceeds the guideline requirement of 640.<br>Residual Income : $10,469.94 monthly<br>| Low Rise Condo (1-4 Stories) | XX | 80.000% | 80.000% | Primary | Purchase | 734 |  | XX | 15.5 | $22671.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 53.818% | No | Alternative | QC Complete | 11/12/2025 |
| 634 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 4 Family | XX | 75.000% | 75.000% | Investor | Cash Out | 789 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $59426.86 |  |  | DSCR | QC Complete | 10/16/2025 |
| 635 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 32.258% | 32.258% | Investor | Cash Out | 696 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $92300.69 |  |  | DSCR | QC Complete | 11/10/2025 |
| 637 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 747 |  | XX | 23.33 | $28432.73 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 36.101% | No | Alternative | QC Complete | 11/10/2025 |
| 638 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 42.307% | 42.307% | Primary | Purchase | 720 |  | XX | 13.08 | $50000.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 30.422% | No | Full Documentation | QC Complete | 11/10/2025 |
| 639 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Amount of title insurance $XX is missing. Provide a copy of supplemental title insurance which covers the loan amount'.<br>Resolved 11/13/2025 - Received title insured amount, condition resolved. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Borrower's DTI (52.959%) exceeding guideline maximum DTI 50% A copy of an exception approval letter is available in the loan file. | FICO: 703 FICO exceeds the guideline requirement of 700.<br> LTV: 80.00% LTV is less than the guideline requirement of 85.00%. | Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 703 |  | XX | 4.75 | $79329.82 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 52.959% | No | Alternative | QC Complete | 11/10/2025 |
| 644 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 76.103% | 76.103% | Primary | Refinance | 795 | 1.83 | XX | 10.33 | $39163.89 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 16.397% |  | Alternative | QC Complete | 11/05/2025 |
| 645 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 64.286% | 64.286% | Primary | Purchase | 723 |  | XX | 8.16 | $20890.52 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 21.476% | No | Alternative | QC Complete | 10/29/2025 |
| 647 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 721 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 11/14/2025 |
| 648 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 72.289% | 72.289% | Primary | Cash Out | 727 | 4.58 | XX | 25.66 | $13035.42 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $109896.08 | 44.565% |  | Full Documentation | QC Complete | 11/09/2025 |
| 649 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 3 Family | XX | 75.000% | 75.000% | Investor | Cash Out | 800 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $153249.30 |  |  | DSCR | QC Complete | 11/11/2025 |
| 650 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 74.656% | 74.656% | Primary | Cash Out | 715 | 7.83 | XX | 0.25 | $16666.67 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $260197.87 | 49.153% |  | Full Documentation | QC Complete | 12/05/2025 |
| 651 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 75.000% | 75.000% | Investor | Purchase | 661 |  | XX | 10.25 | $45771.60 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 14.407% | No | Alternative | QC Complete | 01/16/2026 |
| 652 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Borrower Identity Missing - EV R<br> COMMENT: Provide a copy of government ID for the borrower (XX).<br>Resolved 10/27/2025- Received Government ID, condition resolved. |  |  | 2 Family | XX | 80.000% | 80.000% | Investor | Purchase | 752 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 10/22/2025 |
| 653 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 80.000% | 80.000% | Primary | Cash Out | 786 | 25.66 | XX | 14.42 | $19536.04 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $223554.58 | 18.931% |  | Alternative | QC Complete | 11/07/2025 |
| 654 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 797 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 10/27/2025 |
| 657 | XX | XX |  | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: (12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.270% Allowed 7.790% OverBy +0.480%<br>This loan is compliant with regulation 1026.35. |  |  | High Rise Condo (>=9 Stories) | XX | 90.000% | 90.000% | Primary | Purchase | 795 |  | XX | 5.33 | $32518.78 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 39.421% | No | Full Documentation | QC Complete | 01/20/2026 |
| 659 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 64.889% | 64.889% | Primary | Cash Out | 746 | 5.41 | XX | 17.83 | $7420.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $69952.90 | 9.585% |  | Alternative | QC Complete | 12/08/2025 |
| 660 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 75.000% | 75.000% | Investor | Cash Out | 742 |  | XX | 20.75 | $43582.62 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $99938.15 | 33.788% |  | Alternative | QC Complete | 10/27/2025 |
| 662 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | High Rise Condo (>=9 Stories) | XX | 79.831% | 79.831% | Primary | Refinance | 776 | 1.5 | XX | 25.66 | $62362.17 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 31.777% |  | Full Documentation | QC Complete | 11/20/2025 |
| 664 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 3 Family | XX | 59.238% | 59.238% | Investor | Cash Out | 701 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $53867.00 |  |  | DSCR | QC Complete | 11/13/2025 |
| 665 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The amount of title insurance of $XX on the Title Commitment is less than the loan amount $XX<br>Resolved 11/25/2025 - Received title insured amount, condition resolved. |  |  | 4 Family | XX | 72.995% | 72.995% | Investor | Refinance | 784 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | DSCR | QC Complete | 11/14/2025 |
| 666 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 731 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 10/27/2025 |
| 667 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The amount of title insurance of $XX on the Title Commitment is less than the loan amount $XX<br>Resolved 11/10/2025 - Received title document, condition resolved. |  |  | Single Family | XX | 70.000% | 70.000% | Primary | Cash Out | 667 | 13.5 | XX | 2.08 | $6978.64 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $199064.48 | 39.586% |  | Alternative | QC Complete | 11/05/2025 |
| 668 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 80.000% | 80.000% | Primary | Purchase | 767 |  | XX | 7.58 | $56819.92 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 23.176% | No | Alternative | QC Complete | 10/29/2025 |
| 670 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Subject or Comp Photos are missing or illegible - EV R<br> COMMENT: Photos of rent comparables are missing from the loan package. Please provide images for all rent comparables listed in the appraisal.<br>Resolved 10/17/2025 - Received Appraisal Report with rental comparable, Condition Resolved. |  |  | Single Family | XX | 79.679% | 79.679% | Investor | Purchase | 795 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 10/13/2025 |
| 674 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of Lease agreement for the Subject Property - XX<br>Resolved 10/28/2025 - Received DSCR calculator with comments stating " Property units are vacant & Lease amount $800 is considered as per lender requirement, condition resolved. |  |  | 2 Family | XX | 70.000% | 70.000% | Investor | Purchase | 788 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 10/15/2025 |
| 676 | XX | XX |  | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) ComplianceEase TRID Tolerance Test Failed - EV R<br> COMMENT: TRID violation due to Appraisal Re-Inspection fee added on Final CD dated 11/XX/2025. Initial LE dated 10/XX/2025 reflectsAppraisal Re-Inspection fee as $0.00 however, Final CD dated 11/XX/2025 reflects the Appraisal Re-Inspection fee as $200.00, Require PCCD/COC to cure the tolerance violation of $200.00.<br>Resolved 12/03/2025: Received change of circumstance dated 10/XX/2025 and exception is cleared.<br>\*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.380% Allowed 7.670% Overby +0.710%<br>This loan is compliant with regulation 1026.35. |  |  | Single Family | XX | 90.000% | 90.000% | Primary | Purchase | 785 |  | XX | 9.66 | $132025.24 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 6.453% | No | Alternative | QC Complete | 11/26/2025 |
| 678 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of the closing protection letter (CPL), as it is missing.<br>Resolved 10/21/2025 - Received Lender response "there is no CPL for the state of NY, they use an attorney who is required to carry E&O and XX coverage", condition resolved. |  |  | Single Family | XX | 73.165% | 73.165% | Primary | Cash Out | 734 | 5 | XX | 12.58 | $44010.22 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $499711.99 | 15.858% |  | Alternative | QC Complete | 10/13/2025 |
| 680 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX | 75.000% | 75.000% | Investor | Cash Out | 729 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $146933.18 |  |  | DSCR | QC Complete | 11/25/2025 |
| 681 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX | 75.000% | 75.000% | Investor | Cash Out | 785 |  | XX | 16.42 | $14595.95 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $295039.52 | 38.275% |  | No Documentation | QC Complete | 11/05/2025 |
| 682 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a clear copy of borrower ID.<br>Resolved 11/20/2025 - Received GOV ID, condition resolved. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Exception for Log home property.<br>A copy of an exception approval letter is available in the loan file. | LTV: 39.98% LTV is less than the guideline requirement of 85.00%.<br>DTI: 31.58% DTI is less than the maximum guideline requirement of 50.00%.<br>FICO: 769 FICO exceeds the guideline requirement of 700. | Single Family | XX | 38.976% | 38.976% | Primary | Purchase | 769 |  | XX |  | $5655.48 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 31.582% | No | Alternative | QC Complete | 01/15/2026 |
| 683 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Appraisal incomplete (missing map, layout, pages, etc) - EV R<br> COMMENT: provide a copy of the 1004D completion report or the updated appraisal report, along with photos documenting the hole in the wall leading to the neighboring unit, mold damage, and the ceiling crack on the third floor.<br>Resolved 10/17/2025 - Received LOE document and invoice for repairs is also attached, condition resolved. |  |  | Single Family | XX | 68.678% | 68.678% | Investor | Cash Out | 800 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $86654.96 |  |  | DSCR | QC Complete | 10/08/2025 |
| 684 | XX | XX |  | XX | XX | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Exclude joint personal account holder (XX) requirement to be added as coborrower on mortgage loan.<br>A copy of an exception approval letter is available in the loan file. | LTV: 80.00% LTV is less than the guideline requirement of 90.00%.<br>FICO: 740 FICO exceeds the guideline requirement of 720.<br>DTI: 25.67% DTI is less than the maximum guideline requirement of 50.00%.<br>| PUD | XX | 80.000% | 80.000% | Primary | Purchase | 740 |  | XX | 3.92 | $52259.33 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 25.671% | No | Alternative | QC Complete | 12/09/2025 |
| 685 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 801 |  | XX | 6.75 | $7276.46 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 41.666% | Yes | Alternative | QC Complete | 11/13/2025 |
| 686 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 50.000% | 50.000% | Primary | Purchase | 804 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 12/09/2025 |
| 687 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX | 80.000% | 80.000% | Investor | Purchase | 779 |  | XX | 5.16 | $1949.18 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 36.606% | No | Full Documentation | QC Complete | 11/12/2025 |
| 688 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Missing the 2025 YTD pay stub and W-2s for 2024 and 2023 for income verification.<br>Resolved 12/08/2025 - Received LOX as the VVOE and satisfy the income documentation, condition resolved. |  |  | Low Rise Condo (1-4 Stories) | XX | 80.000% | 80.000% | Secondary | Purchase | 807 |  | XX | 3.83 | $23470.83 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 27.226% | No | Full Documentation | QC Complete | 11/14/2025 |
| 689 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 70.152% | 70.152% | Investor | Cash Out | 767 |  | XX | 22.42 | $14033.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $466850.22 | 46.357% |  | Alternative | QC Complete | 10/21/2025 |
| 692 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 48.305% | 48.305% | Primary | Cash Out | 779 | 0.67 | XX | 0.5 | $20833.33 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $182465.13 | 25.116% |  | Full Documentation | QC Complete | 11/12/2025 |
| 694 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 80.000% | 80.000% | Primary | Purchase | 731 |  | XX | 8.08 | $35796.50 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 47.344% | Yes | Alternative | QC Complete | 11/13/2025 |
| 695 | XX | XX |  | XX | XX | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: To allow a non-per resident with a H1B VISA.<br>A copy of an exception approval letter is available in the loan file. | FICO: 734 FICO exceeds the guideline requirement of 720.<br>LTV: 78.13% LTV is less than the guideline requirement of 85.00%.<br>Reserves: The 303 months of available reserves are more than the guideline requirement of 6 months. | 2 Family | XX | 78.125% | 78.125% | Investor | Purchase | 734 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 10/24/2025 |
| 696 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX | 75.000% | 75.000% | Investor | Purchase | 721 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 12/09/2025 |
| 697 | XX | XX |  | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charge 8.658% Allowed 7.810% Overby+0.848%<br>This loan is compliant with regulation 1026.35.<br>\*\*\* (CURED) Loan does not conform to program guidelines - EV R<br> COMMENT: Loan files does not meet guidelines requirement. As per guidelines "XX Product Summary: Retail, JV, DTC, WHL Bank Statement, 1099 and P&L Program" one (1) trade line reporting for a minimum of twenty-four (24) months from the application date. However, the credit report in this file does not reflect any tradeline meeting the required 24-month reporting period.<br>Resolved 11/19/2025 - Received VOR for rental properties and covering the 24 months trade line requirement, condition resolved.<br>\*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Gift source is missing in the file (require donor statement or wiring details, and borrower statement where gift fund was received).<br>Resolved 11/18/2025 - Received Gift wire, condition resolved.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a updated copy of the Appraisal Report and CDA Report reflecting the correct loan number.<br>Resolved 11/18/2025 - Received CDA with correct loan number, condition resolved. |  |  | Single Family | XX | 90.000% | 90.000% | Primary | Purchase | 738 |  | XX | 1.58 | $4613.16 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 36.472% | Yes | Alternative | QC Complete | 11/11/2025 |
| 698 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 70.000% | 70.000% | Investor | Purchase | 673 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 11/25/2025 |
| 699 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Correction required in REO section of (XX) Occupancy as Investment or Second Home. Provide a updated copy of Final 1003.<br>Resolved 11/05/2025 - Received corrected 1003, condition resolved. |  |  | PUD | XX | 80.000% | 80.000% | Investor | Purchase | 736 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 10/29/2025 |
| 700 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 32.787% | 32.787% | Primary | Refinance | 778 | 0.91 | XX | 22.5 | $199862.76 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 11.656% |  | Alternative | QC Complete | 11/07/2025 |
| 702 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 83.333% | 83.333% | Primary | Purchase | 743 |  | XX | 3.75 | $8896.62 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 48.880% | Yes | Alternative | QC Complete | 11/13/2025 |
| 705 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 738 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 10/24/2025 |
| 706 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | High Rise Condo (>=9 Stories) | XX | 80.000% | 80.000% | Primary | Cash Out | 725 | 4 | XX | 21.75 | $72622.98 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $310642.32 | 35.311% |  | Alternative | QC Complete | 11/03/2025 |
| 707 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 60.000% | 60.000% | Primary | Purchase | 791 |  | XX | 3.41 | $35396.06 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 35.892% | No | Alternative | QC Complete | 10/28/2025 |
| 708 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The amount of proposed Lender's coverage on the Title Preliminary Title is less than the loan amount. The supplementary report reflects coverage in the amount of $XX, however, the Note reflects a loan amount of $XX<br>Resolved 11/03/2025 - Received final title policy, condition resolved. |  |  | Single Family | XX | 75.000% | 75.000% | Investor | Refinance | 793 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | DSCR | QC Complete | 10/27/2025 |
| 709 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX | 62.441% | 62.441% | Primary | Purchase | 793 |  | XX | 5.16 | $18626.25 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 16.936% | Yes | Full Documentation | QC Complete | 10/24/2025 |
| 710 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 80.000% | 80.000% | Primary | Purchase | 808 |  | XX | 3.16 | $2619.91 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 49.664% | Yes | Full Documentation | QC Complete | 11/17/2025 |
| 712 | XX | XX |  | XX | XX | Non-QM/Compliant | 4 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 9.602% Allowed 8.040% Overby +1.562%.<br>This loan is compliant with regulation 1026.35<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide sufficient assets to cover the three-month reserve requirement. Cash from borrower: $61,916.92; Reserves: $7,742.71; Total verified assets: $69,482.12; Asset shortfall: ($69,482.12 - $69,659.35) = -$177.23.<br>Resolved 11/10/2025 - Received Asset LOX and the requirements are sufficient, condition resolved. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Non-arms length transaction; borrower purchasing from current landlord. currently have 12 months bank statements (Aug 24 through Sept 25) \*\*pending Oct 25 payment to have fully 12 months.<br>A copy of an exception approval letter is available in the loan file. | LTV: 80.00% LTV is less than the guideline requirement of 85.00%.<br>DTI: 11.70% DTI is less than the maximum guideline requirement of 50.00%. | 2 Family | XX | 80.000% | 80.000% | Primary | Purchase | 657 |  | XX | 2.08 | $28235.84 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 11.698% | Yes | Alternative | QC Complete | 01/15/2026 |
| 713 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 85.000% | 85.000% | Investor | Refinance | 751 |  | XX | 3.42 | $15833.33 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 47.879% |  | Full Documentation | QC Complete | 11/04/2025 |
| 714 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Assets Verification - EV R<br> COMMENT: Provide Business bank statements of XX with ending balance $6282.73 for verifying the assets.<br>Resolved 10/06/2025 - Received bank statement for account #XX, condition resolved.<br>\*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide 24 Months Business bank statements of XX #XX for the month of 08/01/2023 to 07/31/2025 as it is missing in the file.<br>10/17/2025 Not resolved - Received bank statement for XX with account # 5255858 does not match with the Bank statement (XX #XX) used for calculating income in the second bank statement worksheet.<br>11/04/2025 - Borrower is qualified with two set of 24 months Business bank statement with total income of $45,035.00. Two accounts were used XX with income of $24,744.74 & XX with income of $20,290.54). Bank statements received in the loan file are for XX, We are still missing additional 24 months business bank statement for XX to verify income of $24,744.74.<br>11/19/2025 Resolved - The copy of 24 month bank statement for # XX resolves the condition. |  |  | 2 Family | XX | 80.000% | 80.000% | Primary | Cash Out | 722 | 0.08 | XX | 3.66 | $45035.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $67146.76 | 31.255% |  | Alternative | QC Complete | 09/25/2025 |
| 715 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 75.000% | 75.000% | Investor | Purchase | 754 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 10/28/2025 |
| 716 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 80.000% | 80.000% | Primary | Refinance | 776 | 4 | XX | 1.83 | $18101.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 40.673% |  | Full Documentation | QC Complete | 11/20/2025 |
| 717 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Missing Form 1007.<br>Resolved 10/20/2025 : Received form 1007 for subject property, condition resolved.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide master insurance policy, as it is missing. Property type is condominium.<br>Resolved 10/24/2025 - Received Lender response, Project is detached and borrower has H03 insurance policy, condition resolved |  |  | Low Rise Condo (1-4 Stories) | XX | 75.000% | 75.000% | Investor | Refinance | 794 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | DSCR | QC Complete | 10/14/2025 |
| 718 | XX | XX |  | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z<br>Higher-Priced Mortgage Loan Test: Charged 8.020% Allowed 7.740% Overby+0.280%<br>This loan is compliant with regulation 1026.35. |  |  | Single Family | XX | 90.000% | 90.000% | Primary | Purchase | 758 |  | XX | 2.75 | $30646.60 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 12.182% | Yes | Alternative | QC Complete | 11/11/2025 |
| 719 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 75.000% | 75.000% | Primary | Cash Out | 702 | 5.08 | XX | 1.5 | $12751.25 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $279554.22 | 38.778% |  | Full Documentation | QC Complete | 11/14/2025 |
| 720 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 75.000% | 75.000% | Primary | Purchase | 732 |  | XX | 6.75 | $6022.83 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 39.284% | Yes | Alternative | QC Complete | 11/11/2025 |
| 721 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX | 85.000% | 85.000% | Investor | Purchase | 787 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 10/24/2025 |
| 724 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 77.340% | 77.340% | Primary | Refinance | 778 | 5 | XX | 10.42 | $27034.39 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 20.006% |  | Alternative | QC Complete | 11/13/2025 |
| 725 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX | 68.955% | 68.955% | Primary | Purchase | 756 |  | XX | 9.42 | $6273.71 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 49.351% | No | Alternative | QC Complete | 12/10/2025 |
| 727 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 738 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 10/28/2025 |
| 729 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX | 80.000% | 80.000% | Investor | Purchase | 741 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 11/28/2025 |
| 730 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX | 75.000% | 75.000% | Investor | Purchase | 791 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 11/25/2025 |
| 731 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 733 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 11/13/2025 |
| 733 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 79.757% | 79.757% | Primary | Purchase | 767 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 49.582% | No | Full Documentation | QC Complete | 10/27/2025 |
| 735 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Borrower Identity Missing - EV R<br> COMMENT: Provide a clear and readable copy of the borrower's (XX) driver's license.<br>Resolved 11/04/2025 - Received GOV ID, condition resolved.<br>\*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: The lease agreement provided for the subject property expired on 08/XX/2025. Please submit an updated lease agreement reflecting the new expiration date.<br>Resolved 10/27/2025- Received Current Lease transaction, condition resolved. |  |  | Single Family | XX | 56.528% | 56.528% | Investor | Cash Out | 703 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $38389.33 |  |  | DSCR | QC Complete | 10/22/2025 |
| 736 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 79.592% | 79.592% | Primary | Purchase | 741 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 11/11/2025 |
| 738 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 57.295% | 57.295% | Primary | Purchase | 705 |  | XX | 7.75 | $2814.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 20.235% | No | Alternative | QC Complete | 11/07/2025 |
| 739 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 80.000% | 80.000% | Primary | Purchase | 812 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 11/09/2025 |
| 740 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) ComplianceEase TRID Tolerance Test is Incomplete - EV R<br> COMMENT: Missing Initial Closing Disclosure.<br>Resolved 12/02/2025: Received Initial Closing Disclosure dated 10/XX/2025 and exception is cleared. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Total exposure is $XX, exceeding the allowed limit of $3,500,000.<br>A copy of an exception approval letter is available in the loan file. | Reserves: The 56 months of available reserves are more than the guideline requirement of 13 months.<br>LTV: 60.76% LTV is less than the guideline requirement of 85.00%.<br>DTI: 15.82% DTI is less than the maximum guideline requirement of 50.00%. | PUD | XX | 60.764% | 60.764% | Primary | Refinance | 768 | 2 | XX | 5.08 | $245622.08 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 16.117% |  | Full Documentation | QC Complete | 11/25/2025 |
| 741 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 75.000% | 75.000% | Primary | Purchase | 762 |  | XX |  | $13171.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 48.207% | Yes | Alternative | QC Complete | 11/26/2025 |
| 744 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 70.000% | 70.000% | Investor | Purchase | 719 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 11/05/2025 |
| 745 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 49.636% | 49.636% | Primary | Cash Out | 777 | 1.5 | XX | 11.66 | $161120.76 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $459920.93 | 9.466% |  | Full Documentation | QC Complete | 11/11/2025 |
| 749 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 61.364% | 61.364% | Investor | Cash Out | 799 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $141937.00 |  |  | DSCR | QC Complete | 11/04/2025 |
| 751 | XX | XX |  | XX | XX | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: To allow a non-per resident with a H1B VISA.<br>A copy of an exception approval letter is available in the loan file. | LTV: 80.00% LTV is less than the guideline requirement of 85.00%.<br>DSCR: 1.83 DSCR exceeds the guideline requirement of 0.50.<br>FICO: 734 FICO exceeds the guideline requirement of 720. | 2 Family | XX | 80.000% | 80.000% | Investor | Purchase | 734 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 10/24/2025 |
| 752 | XX | XX |  | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.548% Allowed 7.720% Overby +0.828%<br>This loan is compliant with regulation 1026.35.<br>\*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Rental Comparables are missing in provided appraisal report, provide an updated appraisal report.<br>10/27/2025 Resolved: Resolved as rental comparables is not required as the loan is owner occupied. |  |  | Single Family | XX | 90.000% | 90.000% | Primary | Purchase | 756 |  | XX | 2 | $31504.88 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 44.315% | No | Alternative | QC Complete | 10/15/2025 |
| 756 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 75.000% | 75.000% | Investor | Refinance | 732 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | DSCR | QC Complete | 10/28/2025 |
| 757 | XX | XX |  | XX | XX | Non-QM/Compliant | 4 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 7.831% Allowed 7.740% Overby +0.091%<br>This loan is compliant with regulation 1026.35. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: FTHB living rent free for more than 12 months<br>A copy of an exception approval letter is available in the loan file. | FICO: 744 FICO exceeds the guideline requirement of 700.<br>DTI: 26.86% DTI is less than the maximum guideline requirement of 50.00%. | 3 Family | XX | 85.000% | 85.000% | Primary | Purchase | 744 |  | XX | 10.41 | $21335.98 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 26.857% | Yes | Alternative | QC Complete | 11/25/2025 |
| 758 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Missing proof of B2 Income from the employer EV Connect.<br>Resolved 10/21/2025 - Received WVOE for B2, condition resolved |  |  | Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 771 |  | XX | 10.25 | $30517.04 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 43.544% | No | Full Documentation | QC Complete | 10/16/2025 |
| 759 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 80.000% | 80.000% | Primary | Refinance | 746 | 1.5 | XX | 11 | $81926.88 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 30.298% |  | Alternative | QC Complete | 10/27/2025 |
| 760 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX | 80.000% | 80.000% | Investor | Purchase | 736 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 11/04/2025 |
| 761 | XX | XX |  | XX | XX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.583% Allowed 7.740% Overby +0.843%<br>This loan is compliant with regulation 1026.35.<br>\*\*\* (CURED) State Higher Price Mortgage Loan - EV R<br> COMMENT: MA 209 CMR 32.35 Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of Massachusetts Regulations.<br>MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test: Charged 8.583% Allowed 7.740% Overby +0.843%<br>This loan is compliant with regulation MA 209 CMR 32.35. |  |  | Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 699 |  | XX | 4.16 | $21315.82 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 33.382% | No | Alternative | QC Complete | 11/20/2025 |
| 762 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide an updated HOI document for subject property with mortgagee reflecting the lender name (XX).<br>Resolved 11/19/2025 - Received insurance document with clause, condition resolved.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a supporting document for payoff of XX $3125.36 (XX).<br>Resolved 11/19/2025 - Received LOX as this REO is considered as the business claimed mortgage payoff, condition resolved. |  |  | PUD | XX | 75.000% | 75.000% | Primary | Purchase | 770 |  | XX | 17.33 | $47149.11 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 42.211% | No | Full Documentation | QC Complete | 11/13/2025 |
| 765 | XX | XX |  | XX | XX | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Housing Payment History. FTHB living rent free.<br>A copy of an exception approval letter is available in the loan file. | FICO: 793 FICO exceeds the guideline requirement of 640.<br>LTV: 77.09% LTV is less than the guideline requirement of 80.00%.<br>DTI: 44.22% DTI is less than the maximum guideline requirement of 50.00%. | Low Rise Condo (1-4 Stories) | XX | 77.090% | 77.090% | Primary | Purchase | 793 |  | XX | 6.25 | $7101.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 44.222% | Yes | Alternative | QC Complete | 12/05/2025 |
| 766 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 55.000% | 55.000% | Primary | Purchase | 766 |  | XX | 3.08 | $4422.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 37.212% | Yes | Alternative | QC Complete | 11/13/2025 |
| 772 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide hazard insurance effective until 10/XX/2025.<br>Resolved 11/25/2025 - Received insurance effective date covered disbursement date, condition resolved. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Appraisal-Condo Less than 500 SF<br>A copy of an exception approval letter is available in the loan file. | FICO: 756 FICO exceeds the guideline requirement of 700.<br>LTV: 80.00% LTV is less than the guideline requirement of 85.00%.<br>Reserves: The 7 months of available reserves are more than the guideline requirement of 3 months. | Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 756 |  | XX | 20.83 | $166988.50 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 11.002% | No | Alternative | QC Complete | 10/24/2025 |
| 774 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Title report missing lender loss payee verbiage "ISAOA/ATIMA" for the mortgagee.<br>Resolved 11/12/2025 - Received title report with ISAOA, condition resolved. |  |  | Single Family | XX | 75.000% | 75.000% | Investor | Cash Out | 793 |  | XX | 26.33 | $14394.72 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $167067.93 | 32.140% |  | Full Documentation | QC Complete | 11/05/2025 |
| 775 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 80.000% | 80.000% | Primary | Purchase | 717 |  | XX | 5.75 | $3100.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 42.035% | No | Alternative | QC Complete | 11/14/2025 |
| 782 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of the HOA fee statement showing the amount of $50.00 for the subject property located at XX.<br>Resolved 11/19/2025 - Received 1008 with updated HOA fee, condition resolved. |  |  | Single Family | XX | 67.283% | 67.283% | Primary | Purchase | 754 |  | XX | 4.41 | $2593.81 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 27.607% | Yes | Full Documentation | QC Complete | 11/12/2025 |
| 783 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Hazard Insurance Monthly Amount Incorrect. - EV R<br> COMMENT: Missing invoice for hazard insurance premium.<br>Resolved 11/04/2025 - Received HOI Invoice, condition resolved. |  |  | Single Family | XX | 85.000% | 85.000% | Investor | Purchase | 776 |  | XX | 5.08 | $35072.17 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 43.063% | No | Full Documentation | QC Complete | 10/29/2025 |
| 785 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Missing Title evidence - EV R<br> COMMENT: Missing Title Commitment/Preliminary report.<br>11/13/2025 Resolved: Resolved as this is co-op and there wouldn't be a title. |  |  | Co-op | XX | 70.000% | 70.000% | Primary | Purchase | 771 |  | XX | 3.33 | $22425.73 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 26.788% | No | Alternative | QC Complete | 11/12/2025 |
| 788 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 75.000% | 75.000% | Primary | Purchase | 794 |  | XX |  | $3492.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 47.517% | Yes | Alternative | QC Complete | 11/14/2025 |
| 790 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX | 84.906% | 84.906% | Investor | Purchase | 779 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 11/25/2025 |
| 795 | XX | XX |  | XX | XX | Non-QM/Compliant | 4 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z<br>Higher-Priced Mortgage Loan Test: Charged 7.754% Allowed 7.740% Overby +0.014%<br>This loan is compliant with regulation 1026.35. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Exception for FTHB living rent free since 01/01/2024.<br>A copy of an exception approval letter is available in the loan file. | FICO: 663 FICO exceeds the guideline requirement of 640.<br>Residual Income : $10,407.50 monthly <br>DTI: 30.68% DTI is less than the maximum guideline requirement of 50.00%. | PUD | XX | 80.000% | 80.000% | Primary | Purchase | 663 |  | XX | 4.41 | $15014.57 | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: |  | 30.684% | Yes | Alternative | QC Complete | 11/14/2025 |
| 797 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 4 Family | XX | 75.000% | 75.000% | Investor | Cash Out | 774 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $156484.73 |  |  | DSCR | QC Complete | 12/05/2025 |
| 798 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 80.000% | 80.000% | Primary | Cash Out | 773 | 1 | XX | 5.16 | $34328.99 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $182735.16 | 28.807% |  | Full Documentation | QC Complete | 10/28/2025 |
| 800 | XX | XX |  | XX | XX | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: EAD/Visa/Green Card - Requesting exception to proceed wiht C10 EAD satus which does not appear on the list of eligible or ineligible visa types.<br>A copy of an exception approval letter is available in the loan file. | FICO: 772 FICO exceeds the guideline requirement of 640.<br>DTI: 24.797% DTI is less than the maximum guideline requirement of 50.00%.<br>| 2 Family | XX | 80.000% | 80.000% | Primary | Purchase | 772 |  | XX | 4.08 | $26914.39 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 24.797% | Yes | Alternative | QC Complete | 01/15/2026 |
| 802 | XX | XX |  | XX | XX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The amount of title insurance $XX does not cover the loan amount $XX. Provide a copy of the updated title supplement report to cover the loan amount.<br>Resolved 12/01/2025 - Received title policy, condition resolved. |  |  | Low Rise Condo (1-4 Stories) | XX | 77.848% | 77.848% | Primary | Refinance | 735 | 2.75 | XX | 8.25 | $29435.20 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 26.133% |  | Alternative | QC Complete | 11/24/2025 |
| 806 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 766 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 12/10/2025 |
| 813 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 4 Family | XX | 80.000% | 80.000% | Investor | Purchase | 744 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 01/16/2026 |
| 815 | XX | XX |  | XX | XX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX | 66.038% | 66.038% | Primary | Cash Out | 793 | 0.5 | XX | 5.75 | $3328.52 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $42820.39 | 27.973% |  | Alternative | QC Complete | 11/12/2025 |
| 816 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX | 60.000% | 60.000% | Investor | Refinance | 786 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | DSCR | QC Complete | 11/12/2025 |
| 822 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 80.000% | 80.000% | Investor | Purchase | 754 |  | XX | 23.08 | $37364.52 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 27.373% | No | Alternative | QC Complete | 10/28/2025 |
| 823 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Subject or Comp Photos are missing or illegible - EV R<br> COMMENT: The rent comparable photos are missing from the loan package. Please provide photos for all rent comparables listed in the appraisal report.<br>Resolved 10/17/2025 - Received Appraisal Report with rental comparable, Condition Resolved. |  |  | 2 Family | XX | 85.000% | 85.000% | Investor | Purchase | 787 |  | XX |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 10/14/2025 |
| 825 | XX | XX |  | XX | XX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide copy of wire receipt showing gift funds in the amount of $31000 from XX from XX account #XX<br>Resolved 10/31/2025 - Received wire for gift amount, condition resolved. |  |  | Single Family | XX | 80.000% | 80.000% | Investor | Purchase | 790 |  | XX | 5.83 | $29291.39 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 39.554% | No | Alternative | QC Complete | 10/27/2025 |
| 826 | XX | XX |  | XX | XX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX | 75.000% | 75.000% | Investor | Cash Out | 760 |  | XX | 12.41 | $10158.65 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $299240.42 | 49.460% |  | Alternative | QC Complete | 11/17/2025 |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Infinity Loan ID** | **Loan Number** | **Loan Number 2** | **Borrower Last Name** | **Property State** | **Note Date** | **Loan Purpose** | **TPR QM ATR Status** | **Initial Overall Loan Grade** | **Final Overall Loan Grade** | **Exception Category** | **Exception Subcategory** | **Exception Code** | **Final Exception Status** | **Initial Exception Grade** | **Final Exception Grade** | **Exception** | **Exception Detail** | **Follow-up Comments (Exception Response)** | **Exception Conclusion Comments** | **Compensating Factors** | **Curable Status** | **Loan Status** | **Review Date** | **Cleared Date** | **Cured Date** | **Exception Date** |
| 10 | XX | XX |  | XX | Georgia | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Please provide a copy of the insurance document for the property located at XX, as the document we received shows an incorrect insurance address.<br>Resolved 10/20/2025 : Received address affidavit document , condition resolved. | Resolved 10/20/2025 : Received address affidavit document , condition resolved. | Resolved 10/20/2025 : Received address affidavit document , condition resolved. |  |  | QC Complete | 09/25/2025 | 10/20/2025 | 10/20/2025 | 09/24/2025 |
| 10 | XX | XX |  | XX | Georgia | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of Lease agreement for the property XX<br>Resolved 10/13/2025 - Received lease agreement for property XX, condition resolved. | Resolved 10/13/2025 - Received lease agreement for property XX, condition resolved. | Resolved 10/13/2025 - Received lease agreement for propertyXX, condition resolved. |  |  | QC Complete | 09/25/2025 | 10/13/2025 | 10/13/2025 | 09/24/2025 |
| 15 | XX | XX |  | XX | Massachusetts | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Borrower Identity Missing (Lvl R) | Provide a copy of borrower government identification, as it is missing.<br>Resolved 10/20/2025 - Received borrower driving license , condition resolved. | Resolved 10/20/2025 - Received borrower driving license , condition resolved. | Resolved 10/20/2025 - Received borrower driving license , condition resolved. |  |  | QC Complete | 09/26/2025 | 10/20/2025 | 10/20/2025 | 09/25/2025 |
| 17 | XX | XX |  | XX | California | XX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | XX | Resolved | 4 | R | \* State Higher Price Mortgage Loan (Lvl R) | (CA AB 260, California Financial Code Division 1.9 4995(a)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.<br>CA AB 260 Higher-Priced Mortgage Loan Test: Charged 9.204% Allowed 8.250% Overby +0.954%<br>This loan is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | This loan is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | This loan is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). |  |  | QC Complete | 09/02/2025 | 09/02/2025 | 09/02/2025 | 08/29/2025 |
| 17 | XX | XX |  | XX | California | XX | Purchase | Non-QM/Compliant | 4 | 1 | Credit | Doc Issue | XX | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide updated supplemental report with amount of title insurance covering the loan amount $XX<br>Resolved 10/23/2025 - Received title policy, condition resolved. | Resolved 10/23/2025 - Received title policy, condition resolved. | Resolved 10/23/2025 - Received title policy, condition resolved. |  |  | QC Complete | 09/02/2025 | 10/23/2025 | 10/23/2025 | 08/29/2025 |
| 17 | XX | XX |  | XX | California | XX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | XX | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 9.204% Allowed 8.250% Overby +0.954%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 09/02/2025 | 09/02/2025 | 09/02/2025 | 08/29/2025 |
| 17 | XX | XX |  | XX | California | XX | Purchase | Non-QM/Compliant | 4 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide UDM for borrower (XX) as it is required by the guideline.<br>09/11/2025 Resolved: Resolved as UDM is not applicable on correspondent loans. | 09/11/2025 Resolved: Resolved as UDM is not applicable on correspondent loans. | 09/11/2025 Resolved: Resolved as UDM is not applicable on correspondent loans. |  |  | QC Complete | 09/02/2025 | 09/11/2025 | 09/11/2025 | 08/29/2025 |
| 18 | XX | XX |  | XX | California | XX | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | XX | Resolved | 3 | R | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl R) | Missing Initial Closing Disclosure.<br>Resolved 11/06/2025: Received Initial Closing Disclosure dated 09/XX/2025 and exception is cleared. | Resolved 11/06/2025: Received Initial Closing Disclosure dated 09/XX/2025 and exception is cleared. | Resolved 11/06/2025: Received Initial Closing Disclosure dated 09/XX/2025 and exception is cleared. |  |  | QC Complete | 10/22/2025 | 11/06/2025 | 11/06/2025 | 10/22/2025 |
| 23 | XX | XX |  | XX | Michigan | XX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit |  | XX | Resolved | 3 | R | \* Hazard Insurance Coverage less than Loan Amount (Lvl R) | The hazard insurance coverage amount of $XX is less than the loan amount of $XX. Please provide a Replacement Cost Estimator (RCE).<br>Resolved 10/28/2025 - Received processors cert with RCE covers at least the dwelling amount, condition resolved. | Resolved 10/28/2025 - Received processors cert with RCE covers at least the dwelling amount, condition resolved. | Resolved 10/28/2025 - Received processors cert with RCE covers at least the dwelling amount, condition resolved. |  |  | QC Complete | 10/10/2025 | 10/28/2025 | 10/28/2025 | 10/XX/2025 |
| 25 | XX | XX |  | XX | Illinois | XX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | XX | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.141% Allowed 7.810% Overby +0.331%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 11/07/2025 | 11/07/2025 | 11/07/2025 | 11/07/2025 |
| 26 | XX | XX |  | XX | Texas | XX | Refinance | Non-QM/Compliant | 3 | 1 | Valuation | Property | XX | Resolved | 3 | R | \* Property Issues indicated (Lvl R) | Correction required for Appraisal Report Transaction type change from Purchase to Refinance.<br>Resolved 11/24/2025 - Received revised appraisal report, condition resolved. | Resolved 11/24/2025 - Received revised appraisal report, condition resolved. | Resolved 11/24/2025 - Received revised appraisal report, condition resolved. |  |  | QC Complete | 11/07/2025 | 11/24/2025 | 11/24/2025 | 11/06/2025 |
| 27 | XX | XX |  | XX | Massachusetts | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Borrower Identity Missing (Lvl R) | Provide a copy of borrower ID as it is missing.<br>Resolved on 10/20/2025 : Received driving license for both the borrowers, condition resolved. | Resolved on 10/20/2025 : Received driving license for both the borrowers, condition resolved. | Resolved on 10/20/2025 : Received driving license for both the borrowers, condition resolved. |  |  | QC Complete | 09/25/2025 | 10/20/2025 | 10/20/2025 | 09/24/2025 |
| 28 | XX | XX |  | XX | Texas | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | The April 2025 bank statement for XX checking account ending in XX is not included in the loan file.<br>Resolved 10/28/2025 - Received Bank statement for month of April 2025, condition resolved. | Resolved 10/28/2025 - Received Bank statement for month of April 2025, condition resolved. | Resolved 10/28/2025 - Received Bank statement for month of April 2025, condition resolved. |  |  | QC Complete | 10/10/2025 | 10/28/2025 | 10/28/2025 | 10/XX/2025 |
| 29 | XX | XX |  | XX | Wisconsin | XX | Purchase | Non-QM/Compliant | 3 | 1 | Servicing | Servicing | XX | Resolved | 3 | R | \* Title Issue (Lvl R) | Missing liability policy for the settlement agent.<br>Resolved 11/07/2025 - Received master liability policy, condition resolved | Resolved 11/07/2025 - Received master liability policy, condition resolved | Resolved 11/07/2025 - Received master liability policy, condition resolved |  |  | QC Complete | 10/10/2025 | 11/07/2025 | 11/07/2025 | 10/10/2025 |
| 31 | XX | XX |  | XX | Missouri | XX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | XX | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 9.663% Allowed 7.810% Overby+1.853%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 11/07/2025 | 11/07/2025 | 11/07/2025 | 11/06/2025 |
| 32 | XX | XX |  | XX | South Carolina | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit |  | XX | Resolved | 3 | R | \* Hazard Insurance (Lvl R) | The HO-6 policy on page #1272 does not include the new lender or its loss payee clause.<br>Resolved 10/29/2025 - Received HO-6 with lender mortgage clause, condition resolved. | Resolved 10/29/2025 - Received HO-6 with lender mortgage clause, condition resolved. | Resolved 10/29/2025 - Received HO-6 with lender mortgage clause, condition resolved. |  |  | QC Complete | 10/10/2025 | 10/29/2025 | 10/29/2025 | 10/10/2025 |
| 34 | XX | XX |  | XX | Idaho | XX | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of Government ID for the borrower (XX) as it is missing.<br>Resolved 11/20/2025 - Received Gov ID, condition resolved. | Resolved 11/20/2025 - Received Gov ID, condition resolved. | Resolved 11/20/2025 - Received Gov ID, condition resolved. |  |  | QC Complete | 11/07/2025 | 11/20/2025 | 11/20/2025 | 11/06/2025 |
| 35 | XX | XX |  | XX | North Carolina | XX | Cash Out | Non-QM/Compliant | 3 | 1 | Valuation | Valuation | XX | Resolved | 3 | R | \* Automated Appraisal Review Incomplete or Data not complete (Lvl R) | Provide a copy of Appraisal report. Rear view photo of subject property is missing.<br>Resolved 10/28/2025 - Received Appraisal condition comments as subject house does not have any access to rear side, condition resolved. | Resolved 10/28/2025 - Received Appraisal condition comments as subject house does not have any access to rear side, condition resolved. | Resolved 10/28/2025 - Received Appraisal condition comments as subject house does not have any access to rear side, condition resolved. |  |  | QC Complete | 10/10/2025 | 10/28/2025 | 10/28/2025 | 10/XX/2025 |
| 45 | XX | XX |  | XX | New Jersey | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of the evidence document or receipt for the HOA fee in the amount of $311.45 for the subject property, as it is missing.<br>Resolved 11/10/2025 - Received HOA Cert, condition resolved. | Resolved 11/10/2025 - Received HOA Cert, condition resolved. | Resolved 11/10/2025 - Received HOA Cert, condition resolved. |  |  | QC Complete | 10/22/2025 | 11/10/2025 | 11/10/2025 | 10/22/2025 |
| 48 | XX | XX |  | XX | Tennessee | XX | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of VOR for the XX in the amount $XX.<br>Resolved 10/29/2025 - Received VOR, condition resolved. | Resolved 10/29/2025 - Received VOR, condition resolved. | Resolved 10/29/2025 - Received VOR, condition resolved. |  |  | QC Complete | 10/10/2025 | 10/29/2025 | 10/29/2025 | 10/10/2025 |
| 49 | XX | XX |  | XX | Alaska | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Rent comparable photos are missing from the loan package. Provide photos of all rent comparables listed in the appraisal.<br>Resolved 10/28/2025 - Received LOE as Appraisal review team will remove the condition, condition resolved. | Resolved 10/28/2025 - Received LOE as Appraisal review team will remove the condition, condition resolved. | Resolved 10/28/2025 - Received LOE as Appraisal review team will remove the condition, condition resolved. |  |  | QC Complete | 10/10/2025 | 10/28/2025 | 10/28/2025 | 10/10/2025 |
| 56 | XX | XX |  | XX | Maryland | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide an updated Lease Agreement, as the one currently in the file expired on 06/XX/2025 and does not cover the closing date of 10/XX/2025.<br>Received 11/10/2025 - Received Lease ammendment for 06/XX/2026, condition resolved. | Received 11/10/2025 - Received Lease ammendment for 06/XX/2026, condition resolved. | Received 11/10/2025 - Received Lease ammendment for 06/XX/2026, condition resolved. |  |  | QC Complete | 10/23/2025 | 11/10/2025 | 11/10/2025 | 10/22/2025 |
| 62 | XX | XX |  | XX | North Carolina | XX | Cash Out | Non-QM/Compliant | 2 | 2 | Valuation | Property | XX | Waived | 2 | W | \* Property zoned xx and contains more than 10 acres (Lvl W) | S141 |  |  | LTV: 60.00% LTV is less than the guideline requirement of 80.00%.<br>DTI: 14.57% DTI is less than the maximum guideline requirement of 50.00%.<br>FICO: 690 FICO exceeds the guideline requirement of 640.<br>|  | QC Complete | 10/23/2025 |  |  | 10/23/2025 |
| 68 | XX | XX |  | XX | Utah | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of payoff statement for the primary property address "XX<br>Resolved-11/10/2025- Payoff statement is not required, lox provided page#1463. | Resolved-11/10/2025- Payoff statement is not required, lox provided page#1463. | Resolved-11/10/2025- Payoff statement is not required, lox provided page#1463. |  |  | QC Complete | 10/23/2025 | 11/10/2025 | 11/10/2025 | 10/22/2025 |
| 69 | XX | XX |  | XX | Texas | XX | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Underwriting | XX | Resolved | 3 | R | \* Transmittal (1008) is Missing (Lvl R) | Provide a copy of 1008, as it is missing.<br>Resolved 10/28/2025 - Received 1008, condition resolved. | Resolved 10/28/2025 - Received 1008, condition resolved. | Resolved 10/28/2025 - Received 1008, condition resolved. |  |  | QC Complete | 10/10/2025 | 10/28/2025 | 10/28/2025 | 10/08/2025 |
| 74 | XX | XX |  | XX | Texas | XX | Purchase | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | XX | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | The borrower self-employed. Borrower has been self employed and has owned a XX for 7 yrs. However, the borrower relocated to TX in 10/23 and has a new business in TX. We are asking for exception as the borrower will have 23 months of employment TX and not a completed 24 months at this time of close<br>A copy of an exception approval letter is available in the loan file. |  |  | Residual Income : $6215.12.00 monthly<br>DTI: 26.36% DTI is less than the maximum guideline requirement of 50.00%.<br>Reserves: The 7 months of available reserves are more than the guideline requirement of 3 months. |  | QC Complete | 11/07/2025 |  |  | 11/06/2025 |
| 77 | XX | XX |  | XX | Montana | XX | Purchase | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | XX | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | The borrower has 7 NSFs in the past 12 months; however, up to 6 NSFs may be acceptable with a letter of explanation from the borrower. Two overdrafts were excluded because the account was brought current on the same day. The borrower is purchasing the property using a Gift of Equity.<br>A copy of an exception approval letter is available in the loan file. |  |  | LTV: 68.82% LTV is less than the guideline requirement of 85.00%.<br>Residual Income : $18,317.46 monthly<br>DTI: 30.44% DTI is less than the maximum guideline requirement of 50.00%.<br>|  | QC Complete | 11/18/2025 |  |  | 11/17/2025 |
| 82 | XX | XX |  | XX | California | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | XX | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide updated supplemental report with amount of title insurance covering the loan amount $XX<br>Resolved 10/28/2025 - Received final title policy, condition resolved. | Resolved 10/28/2025 - Received final title policy, condition resolved. | Resolved 10/28/2025 - Received final title policy, condition resolved. |  |  | QC Complete | 10/XX/2025 | 10/28/2025 | 10/28/2025 | 10/08/2025 |
| 86 | XX | XX |  | XX | Oregon | XX | Purchase | Non-QM/Compliant | 3 | 1 | Valuation | Property | XX | Resolved | 3 | R | \* Property Issues indicated (Lvl R) | Photos of "XX" are missing in the loan package. Provide images of "XX"<br>Resolved 11/18/2025 - Received Appraisal without having basement garage term in photo section, condition resolved. | Resolved 11/18/2025 - Received Appraisal without having basement garage term in photo section, condition resolved. | Resolved 11/18/2025 - Received Appraisal without having basement garage term in photo section, condition resolved. |  |  | QC Complete | 10/23/2025 | 11/18/2025 | 11/18/2025 | 10/23/2025 |
| 87 | XX | XX |  | XX | Arizona | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Title Policy | XX | Resolved | 3 | R | \* Closing Protection Letter Missing (Lvl R) | Title is required to provide a copy of the Closing Protection Letter with the Lender Loss payee clause & dated either prior to or on the day of close (Matching the Note).<br>Resolved 11/10/2025 - Received CPL , condition resolved. | Resolved 11/10/2025 - Received CPL , condition resolved. | Resolved 11/10/2025 - Received CPL , condition resolved. |  |  | QC Complete | 10/23/2025 | 11/10/2025 | 11/10/2025 | 10/22/2025 |
| 93 | XX | XX |  | XX | Arkansas | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of the updated title report including the lender loss payee language "ISAOA/ATIMA" for the mortgagee.<br>Resolved 12/5/2025 - Received title Insured ISOA, condition resolved. | Resolved 12/5/2025 - Received title Insured ISOA, condition resolved. | Resolved 12/5/2025 - Received title Insured ISOA, condition resolved. |  |  | QC Complete | 11/07/2025 | 12/05/2025 | 12/05/2025 | 11/05/2025 |
| 96 | XX | XX |  | XX | Virginia | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Other Disclosures | XX | Resolved | 3 | R | \* Missing Required Disclosures (Lvl R) | Provide a corrected final 1003 form that includes the missing monthly principal and interest (P&I) payment for the primary property at xx<br>Resolved 11/24/2025 - Received final 1003 with primary residence PITI, condition resolved. | Resolved 11/24/2025 - Received final 1003 with primary residence PITI, condition resolved. | Resolved 11/24/2025 - Received final 1003 with primary residence PITI, condition resolved. |  |  | QC Complete | 10/08/2025 | 11/24/2025 | 11/24/2025 | 10/8/2025 |
| 97 | XX | XX |  | XX | Florida | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Borrower Identity Missing (Lvl R) | The primary borrower's driver's license expired on November XX 2024. Please provide a copy of the updated driver's license.<br>Resolved 10/24/2025 - Received updated Govt ID, condition resolved. | Resolved 10/24/2025 - Received updated Govt ID, condition resolved. | Resolved 10/24/2025 - Received updated Govt ID, condition resolved. |  |  | QC Complete | 10/XX/2025 | 10/24/2025 | 10/24/2025 | 10/08/2025 |
| 101 | XX | XX |  | XX | Texas | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Missing proof of proceeds from Secured Loan in the amount of $XX<br>Resolved 11/19/2025 - Received Final CD with proceed amount, condition resolved. | Resolved 11/19/2025 - Received Final CD with proceed amount, condition resolved. | Resolved 11/19/2025 - Received Final CD with proceed amount, condition resolved. |  |  | QC Complete | 11/06/2025 | 11/19/2025 | 11/19/2025 | 11/05/2025 |
| 105 | XX | XX |  | XX | Texas | XX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | XX | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Higher-Priced Mortgage Loan Test: Charged 8.889% Allowed 8.070% Overby +0.819% This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 10/23/2025 | 10/23/2025 | 10/23/2025 | 10/23/2025 |
| 107 | XX | XX |  | XX | Florida | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide an updated copy of the appraisal, as the current version indicates "no" for the FEMA XX, but the property is actually located within a XX.<br>Resolved 11/19/2025 - Received corrected appraisal with XX Yes, condition resolved. | Resolved 11/19/2025 - Received corrected appraisal with XX Yes, condition resolved. | Resolved 11/19/2025 - Received corrected appraisal with XX Yes, condition resolved. |  |  | QC Complete | 11/06/2025 | 11/19/2025 | 11/19/2025 | 11/05/2025 |
| 118 | XX | XX |  | XX | North Carolina | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Lease agreement for the subject property (XX) is missing.<br>Resolved 11/24/2025 - Received lease agreement, condition resolved. | Resolved 11/24/2025 - Received lease agreement, condition resolved. | Resolved 11/24/2025 - Received lease agreement, condition resolved. |  |  | QC Complete | 11/06/2025 | 11/24/2025 | 11/24/2025 | 11/05/2025 |
| 125 | XX | XX |  | XX | North Carolina | XX | Cash Out | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | XX | Resolved | 3 | R | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl R) | Missing Initial Closing Disclosure<br>Resolved 11/26/2025: Received Initial Closing Disclosure dated 10/XX/2025 and exception is cleared. | Resolved 11/26/2025: Received Initial Closing Disclosure dated 10/XX/2025 and exception is cleared. | Resolved 11/26/2025: Received Initial Closing Disclosure dated 10/XX/2025 and exception is cleared. |  |  | QC Complete | 11/18/2025 | 11/26/2025 | 11/26/2025 | 11/18/2025 |
| 135 | XX | XX |  | XX | Utah | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | XX | Resolved | 3 | R | \* Letter of explanation needed for the file (Lvl R) | The Letters of Explanation (LOEs) on pages 233 and 235 of the loan file are missing a date indicating when the information was collected and/or when the borrower signed the letters.<br>Resolved 11/13/2025 - Received LOE with signature and the date, condition resolved. | Resolved 11/13/2025 - Received LOE with signature and the date, condition resolved. | Resolved 11/13/2025 - Received LOE with signature and the date, condition resolved. |  |  | QC Complete | 10/XX/2025 | 11/13/2025 | 11/13/2025 | 10/08/2025 |
| 135 | XX | XX |  | XX | Utah | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Title Policy | XX | Resolved | 3 | R | \* Closing Protection Letter Missing (Lvl R) | The CPL in the file does not include the full wording of the new lender loss payee clause and is missing "ATIMA." An updated CPL containing the complete lender loss payee verbiage is required.<br>11/06/2025 Resolved: Resolved as ATIMA is not required if ISOAO is available. | 11/06/2025 Resolved: Resolved as ATIMA is not required if ISOAO is available. | 11/06/2025 Resolved: Resolved as ATIMA is not required if ISOAO is available. |  |  | QC Complete | 10/XX/2025 | 11/06/2025 | 11/06/2025 | 10/08/2025 |
| 135 | XX | XX |  | XX | Utah | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit |  | XX | Resolved | 3 | R | \* Hazard Insurance (Lvl R) | The HOI policy in the file is missing the full wording of the new lender loss payee clause, specifically the term "ATIMA." An updated policy including the complete lender loss payee verbiage is required.<br>11/06/2025 Resolved: the copy of outsourcing letter resolves the condition. | 11/06/2025 Resolved: the copy of outsourcing letter resolves the condition. | 11/06/2025 Resolved: the copy of outsourcing letter resolves the condition. |  |  | QC Complete | 10/XX/2025 | 11/06/2025 | 11/06/2025 | 10/08/2025 |
| 138 | XX | XX |  | XX | Utah | XX | Purchase | Not Covered/Exempt | 4 | 1 | Credit | Guidelines | XX | Resolved | 4 | R | \* Loan does not conform to program guidelines (Lvl R) | Exception approval required for remote online notary being used to execute the power of attorney.<br>Resolved 11/13/2025 - XXaccept the exception for the remote online notary POA, condition resolved. | Resolved 11/13/2025 - XX accept the exception for the remote online notary POA, condition resolved. | Resolved 11/13/2025 - XX accept the exception for the remote online notary POA, condition resolved. |  |  | QC Complete | 11/06/2025 | 11/13/2025 | 11/13/2025 | 11/06/2025 |
| 150 | XX | XX |  | XX | California | XX | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | XX | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide updated supplemental report with amount of title insurance covering the loan amount $XX<br>Resolved 11/24/2025 - Received final policy, condition resolved. | Resolved 11/24/2025 - Received final policy, condition resolved. | Resolved 11/24/2025 - Received final policy, condition resolved. |  |  | QC Complete | 11/05/2025 | 11/24/2025 | 11/24/2025 | 11/04/2025 |
| 159 | XX | XX |  | XX | Georgia | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | XX | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of title insurance of $XX.00 on the Title Commitment is less than the loan amount $XX<br>Resolved 11/18/2025 - Received title insured amount, condition resolved. | Resolved 11/18/2025 - Received title insured amount, condition resolved. | Resolved 11/18/2025 - Received title insured amount, condition resolved. |  |  | QC Complete | 10/24/2025 | 11/18/2025 | 11/18/2025 | 10/23/2025 |
| 183 | XX | XX |  | XX | Utah | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | XX | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of proposed Lender's coverage on the Title Commitment Title is less than the loan amount. The document reflects coverage in the amount of $XX, however, the Note reflects a loan amount of $XX<br>Resolved 10/21/2025 - Received title report with insured amount, condition resolved . | Resolved 10/21/2025 - Received title report with insured amount, condition resolved . | Resolved 10/21/2025 - Received title report with insured amount, condition resolved . |  |  | QC Complete | 10/15/2025 | 10/21/2025 | 10/21/2025 | 10/13/2025 |
| 210 | XX | XX |  | XX | New York | XX | Purchase | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | XX | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | First time homebuyer living rent free vs First time homebuyer living rent free is not eligible<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 739 FICO exceeds the guideline requirement of 720.<br>LTV: 85.00% LTV is less than the guideline requirement of 90.00%.<br>DTI: 41.916% DTI is less than the maximum guideline requirement of 43.00%. |  | QC Complete | 01/15/2026 |  |  | 10/28/2025 |
| 218 | XX | XX |  | XX | Minnesota | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of Operating Agreement for XX<br>Resolved 11/21/2025 - Received operating agreement, condition resolved. | Resolved 11/21/2025 - Received operating agreement, condition resolved. | Resolved 11/21/2025 - Received operating agreement, condition resolved. |  |  | QC Complete | 11/14/2025 | 11/21/2025 | 11/21/2025 | 11/13/2025 |
| 221 | XX | XX |  | XX | Texas | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of MTG statement of property XX of $722.17 Which is missing in the file.<br>Resolved 11/05/2025 - Received LOX as the property is not in mortgage, condition resolved. | Resolved 11/05/2025 - Received LOX as the property is not in mortgage, condition resolved. | Resolved 11/05/2025 - Received LOX as the property is not in mortgage, condition resolved. |  |  | QC Complete | 10/27/2025 | 11/05/2025 | 11/05/2025 | 10/24/2025 |
| 222 | XX | XX |  | XX | Oklahoma | XX | Refinance | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | XX | Resolved | 3 | R | \* HUD-1 Closing Statement missing or unsigned (Lvl R) | Missing Final Closing Disclosure.<br>Resolved 10/16/2025: Received Final Closing Disclosure dated 09/XX/2025 and exception is cleared. | Resolved 10/16/2025: Received Final Closing Disclosure dated 09/XX/2025 and exception is cleared. | Resolved 10/16/2025: Received Final Closing Disclosure dated 09/XX/2025 and exception is cleared. |  |  | QC Complete | 10/14/2025 | 10/16/2025 | 10/16/2025 | 10/13/2025 |
| 222 | XX | XX |  | XX | Oklahoma | XX | Refinance | Non-QM/Compliant | 3 | 1 | Credit |  | XX | Resolved | 3 | R | \* Hazard Insurance (Lvl R) | The hazard insurance policy in the loan file is missing the "lender loss payee clause verbiage". Missing "ISAOA/ATIMA".<br>Resolved 10/16/2025 - Received insurance with lender loss payee clause, condition resolved. | Resolved 10/16/2025 - Received insurance with lender loss payee clause, condition resolved. | Resolved 10/16/2025 - Received insurance with lender loss payee clause, condition resolved. |  |  | QC Complete | 10/14/2025 | 10/16/2025 | 10/16/2025 | 10/13/2025 |
| 222 | XX | XX |  | XX | Oklahoma | XX | Refinance | Non-QM/Compliant | 3 | 1 | Servicing | Servicing | XX | Resolved | 3 | R | \* Title Issue (Lvl R) | Missing the settlement agent's liability insurance policy. (Errors & Omissions policy).<br>Resolved on 10/20/2025 : Received E&O insurance policy, condition resolved. | Resolved on 10/20/2025 : Received E&O insurance policy, condition resolved. | Resolved on 10/20/2025 : Received E&O insurance policy, condition resolved. |  |  | QC Complete | 10/14/2025 | 10/20/2025 | 10/20/2025 | 10/13/2025 |
| 224 | XX | XX |  | XX | South Carolina | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Condo questionnaire missing.<br>Resolved 11/10/2025 - Received LOX as Condo questionnaire not required for Detached, condition resolved. | Resolved 11/10/2025 - Received LOX as Condo questionnaire not required for Detached, condition resolved. | Resolved 11/10/2025 - Received LOX as Condo questionnaire not required for Detached, condition resolved. |  |  | QC Complete | 11/05/2025 | 11/10/2025 | 11/10/2025 | 11/05/2025 |
| 229 | XX | XX |  | XX | Tennessee | XX | Purchase | Not Covered/Exempt | 4 | 2 | Credit | Guidelines | XX | Resolved | 4 | R | \* Seller contributions exceed guideline limit (Lvl R) | Seller-paid closing costs exceed the allowable limit of 3%, with 3.30% reported.<br>Resolved 10/28/2025 - Received Lender response as the seller paid is 3% ($XX / $XX), condition resolved. | Resolved 10/28/2025 - Received Lender response as the seller paid is 3% ($XX / $XX), condition resolved. | Resolved 10/28/2025 - Received Lender response as the seller paid is 3% ($XX / $XX), condition resolved. |  |  | QC Complete | 10/21/2025 | 10/28/2025 | 10/28/2025 | 10/21/2025 |
| 229 | XX | XX |  | XX | Tennessee | XX | Purchase | Not Covered/Exempt | 4 | 2 | Credit | Guidelines | XX | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Assets waive the guideline for 5% of borrower own funds into the transaction, receiving a gift and wants to use for full cash to close.<br>A copy of an exception approval letter is available in the loan file. |  |  | DSCR: 1.02 DSCR exceeds the guideline requirement of 1.00.<br>FICO: 785 FICO exceeds the guideline requirement of 660. |  | QC Complete | 10/21/2025 |  |  | 10/21/2025 |
| 242 | XX | XX |  | XX | Virginia | XX | Cash Out | Non-QM/Compliant | 2 | 2 | Valuation | Property | XX | Waived | 2 | W | \* Property zoned xx and contains more than 10 acres (Lvl W) | Property is in xx area with XX Acres exceeds the maximum property area<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 705 FICO exceeds the guideline requirement of 700.<br>Reserves: The 68 months of available reserves are more than the guideline requirement of 9 months. |  | QC Complete | 10/29/2025 |  |  | 10/28/2025 |
| 245 | XX | XX |  | XX | California | XX | Purchase | Non-QM/Compliant | 3 | 1 | Valuation | Appraisal | XX | Resolved | 3 | R | \* The Appraisal License is Missing (Lvl R) | Appraiser Certificate License is missing in file.<br>Resolved 11/24/2025 - Received Appraisal certificate, condition resolved. | Resolved 11/24/2025 - Received Appraisal certificate, condition resolved. | Resolved 11/24/2025 - Received Appraisal certificate, condition resolved. |  |  | QC Complete | 11/12/2025 | 11/24/2025 | 11/24/2025 | 11/11/2025 |
| 246 | XX | XX |  | XX | Nevada | XX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provided Flood Certificate show as XX as in Appraisal report it is showing as No,Provide a copy of Appraisal Report.<br>Resolved 11/03/2025 - Corrected appraisal provided, condition resolved. | Resolved 11/03/2025 - Corrected appraisal provided, condition resolved. | Resolved 11/03/2025 - Corrected appraisal provided, condition resolved. |  |  | QC Complete | 10/27/2025 | 11/03/2025 | 11/03/2025 | 10/24/2025 |
| 247 | XX | XX |  | XX | New York | XX | Cash Out | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | XX | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Requesting exception for excessive NSF for the past 12 months. 7 total in last 12 months.<br>A copy of an exception approval letter is available in the loan file. |  |  | LTV: 54.76% LTV is less than the guideline requirement of 80.00%.<br>DTI: 37.49% DTI is less than the maximum guideline requirement of 50.00%.<br>|  | QC Complete | 11/13/2025 |  |  | 11/13/2025 |
| 254 | XX | XX |  | XX | Indiana | XX | Purchase | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | XX | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Credit: Housing Payment History to allow a non-per resident with a H1B VISA<br>A copy of an exception approval letter is available in the loan file. |  |  | DSCR: 1.72 DSCR exceeds the guideline requirement of 1.00.<br>FICO: 734 FICO exceeds the guideline requirement of 720. |  | QC Complete | 10/22/2025 |  |  | 10/21/2025 |
| 256 | XX | XX |  | XX | New York | XX | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Doc Issue | XX | Resolved | 3 | R | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl R) | Missing Initial Escrow Account Disclosure.<br>Resolved 12/10/2025 - The copy of Initial Escrow discl resolves the condition. | Resolved 12/10/2025 - The copy of Initial Escrow discl resolves the condition. | Resolved 12/10/2025 - The copy of Initial Escrow discl resolves the condition. |  |  | QC Complete | 11/26/2025 | 12/10/2025 | 12/10/2025 | 11/26/2025 |
| 259 | XX | XX |  | XX | New Jersey | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide the first and second pages of the September 2024 bank statement for the account ending in #XX.<br>Resolved 11/07/2025 - Received September month bank statement, condition resolved. | Resolved 11/07/2025 - Received September month bank statement, condition resolved. | Resolved 11/07/2025 - Received September month bank statement, condition resolved. |  |  | QC Complete | 11/04/2025 | 11/07/2025 | 11/07/2025 | 11/04/2025 |
| 260 | XX | XX |  | XX | Arizona | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit |  | XX | Resolved | 3 | R | \* Hazard Insurance (Lvl R) | The Hazard Insurance in the loan file lists Borrower#2 asXXhowever, the name should match the Note which records the borrowers name as XX. An updated proof of insurance should be obtained listing the borrowers name correctly.<br>Resolved 10/24/2025 - Received Lender response-The AKA's provided for the co-borrower include her last name "XX". We even have policies that don't include middle names or suffixes for example, condition resolved. | Resolved 10/24/2025 - Received Lender response-The AKA's provided for the co-borrower include her last name "XX". We even have policies that don't include middle names or suffixes for example, condition resolved. | Resolved 10/24/2025 - Received Lender response-The AKA's provided for the co-borrower include her last name "XX". We even have policies that don't include middle names or suffixes for example, condition resolved. |  |  | QC Complete | 10/15/2025 | 10/24/2025 | 10/24/2025 | 10/14/2025 |
| 262 | XX | XX |  | XX | Oregon | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | XX | Resolved | 3 | R | \* VOM or VOR missing/required (Lvl R) | Borrower 1 and Borrower 2 are currently renting at XX, and XX. Please provide a copy of the Verification of Rent (VOR), as it is missing from the file.<br>Resolved 11/05/2025 - Received LOX as the borrowers are currently staying in rent on property XX, condition resolved. | Resolved 11/05/2025 - Received LOX as the borrowers are currently staying in rent on property XX condition resolved. | Resolved 11/05/2025 - Received LOX as the borrowers are currently staying in rent on property XX condition resolved. |  |  | QC Complete | 10/30/2025 | 11/05/2025 | 11/05/2025 | 10/30/2025 |
| 269 | XX | XX |  | XX | Florida | XX | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copies of the most recent two months of bank statements to verify sufficient assets to meet the reserve requirement amount of $23,282.04, as it is missing.<br>Resolved 11/06/2025 - Rate and term transaction not required reserves, condition resolved. | Resolved 11/06/2025 - Rate and term transaction not required reserves, condition resolved. | Resolved 11/06/2025 - Rate and term transaction not required reserves, condition resolved. |  |  | QC Complete | 10/29/2025 | 11/06/2025 | 11/06/2025 | 10/28/2025 |
| 271 | XX | XX |  | XX | California | XX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Guidelines | XX | Resolved | 3 | R | \* Income documentation does not meet guidelines (Lvl R) | Provide written verification of employment for the borrower, XX, from her employer, XX<br>Resolved 12/02/2025 - Received paystub and the VVOE, condition resolved. | Resolved 12/02/2025 - Received paystub and the VVOE, condition resolved. | Resolved 12/02/2025 - Received paystub and the VVOE, condition resolved. |  |  | QC Complete | 11/25/2025 | 12/02/2025 | 12/02/2025 | 11/25/2025 |
| 276 | XX | XX |  | XX | Florida | XX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | XX | Resolved | 3 | R | \* Missing flood cert (Lvl R) | Provide a copy of Flood Certificate as it is missing<br>Resolved 10/27/2025- Received Flood Cert, condition resolved. | Resolved 10/27/2025- Received Flood Cert, condition resolved. | Resolved 10/27/2025- Received Flood Cert, condition resolved. |  |  | QC Complete | 10/22/2025 | 10/27/2025 | 10/27/2025 | 10/20/2025 |
| 281 | XX | XX |  | XX | Ohio | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Valuation | Property | XX | Resolved | 3 | R | \* Property Issues indicated (Lvl R) | Please provide an updated copy of the appraisal report that includes rental comparables.<br>Resolved 11/14/2025 - Received rental comparable with photo copy, condition resolved. | Resolved 11/14/2025 - Received rental comparable with photo copy, condition resolved. | Resolved 11/14/2025 - Received rental comparable with photo copy, condition resolved. |  |  | QC Complete | 10/27/2025 | 11/14/2025 | 11/14/2025 | 10/24/2025 |
| 283 | XX | XX |  | XX | Washington | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit |  | XX | Resolved | 3 | R | \* Hazard Insurance Coverage less than Loan Amount (Lvl R) | Dwelling coverage amount $XX reflecting on the hazard insurance policy is not sufficient to cover the loan amount $XX<br>Resolved 11/03/2025 - RCE provided, condition resolved. | Resolved 11/03/2025 - RCE provided, condition resolved. | Resolved 11/03/2025 - RCE provided, condition resolved. |  |  | QC Complete | 10/29/2025 | 11/03/2025 | 11/03/2025 | 10/27/2025 |
| 284 | XX | XX |  | XX | New York | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of the Condominium Questionnaire, as it is missing.<br>Resolved 10/23/2025 - Received condo questionnaire, condition resolved. | Resolved 10/23/2025 - Received condo questionnaire, condition resolved. | Resolved 10/23/2025 - Received condo questionnaire, condition resolved. |  |  | QC Complete | 10/15/2025 | 10/23/2025 | 10/23/2025 | 10/15/2025 |
| 284 | XX | XX |  | XX | New York | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit |  | XX | Resolved | 3 | R | \* Hazard Insurance Coverage less than Loan Amount (Lvl R) | Missing Master policy.<br>Resolved 10/28/2025 - Received master policy, condition resolved. | Resolved 10/28/2025 - Received master policy, condition resolved. | Resolved 10/28/2025 - Received master policy, condition resolved. |  |  | QC Complete | 10/15/2025 | 10/28/2025 | 10/28/2025 | 10/15/2025 |
| 284 | XX | XX |  | XX | New York | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of the closing protection letter (CPL), as it is missing.<br>Resolved 10/23/2025 - Received client LOX as CPL is not required for NY state, condition resolved. | Resolved 10/23/2025 - Received client LOX as CPL is not required for NY state, condition resolved. | Resolved 10/23/2025 - Received client LOX as CPL is not required for NY state, condition resolved. |  |  | QC Complete | 10/15/2025 | 10/23/2025 | 10/23/2025 | 10/15/2025 |
| 288 | XX | XX |  | XX | Texas | XX | Purchase | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | XX | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Exception for Housing Payment History.<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 739 FICO exceeds the guideline requirement of 640.<br>LTV: 60.00% LTV is less than the guideline requirement of 80.00%.<br>Residual Income : $4,111.53 monthly  |  | QC Complete | 10/28/2025 |  |  | 10/24/2025 |
| 291 | XX | XX |  | XX | Florida | XX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | XX | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.173% Allowed 7.810% Overby +0.363%<br>This loan is compliant with regulation 1026.35 | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 11/11/2025 | 11/11/2025 | 11/11/2025 | 11/10/2025 |
| 313 | XX | XX |  | XX | Idaho | XX | Purchase | Non-QM/Compliant | 3 | 2 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of Social Security Award letter.<br>Resolved 11/25/2025 - Received SSA letter, condition resolved. | Resolved 11/25/2025 - Received SSA letter, condition resolved. | Resolved 11/25/2025 - Received SSA letter, condition resolved. |  |  | QC Complete | 01/15/2026 | 01/15/2026 | 01/15/2026 | 11/20/2025 |
| 313 | XX | XX |  | XX | Idaho | XX | Purchase | Non-QM/Compliant | 3 | 2 | Credit | Guidelines | XX | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Use of the Knock program for the departing residence and omitting PITIA on that property accordingly.<br>A copy of an exception approval letter is available in the loan file. |  |  | LTV: 72.56% LTV is less than the guideline requirement of 90.00%.<br>DTI: 5.48% DTI is less than the maximum guideline requirement of 50.00%.<br>|  | QC Complete | 01/15/2026 |  |  | 11/19/2025 |
| 320 | XX | XX |  | XX | New York | XX | Cash Out | Non-QM/Compliant | 4 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Final Application Incomplete (Lvl R) | The final 1003 must be updated to indicate the refinance type as "Cash-Out."<br>Resolved 11/19/2025 - Loan is delayed financing and should be classified as rate and term, condition resolved. | Resolved 11/19/2025 - Loan is delayed financing and should be classified as rate and term, condition resolved. | Resolved 11/19/2025 - Loan is delayed financing and should be classified as rate and term, condition resolved. |  |  | QC Complete | 01/15/2026 | 01/15/2026 | 01/15/2026 | 11/13/2025 |
| 320 | XX | XX |  | XX | New York | XX | Cash Out | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | XX | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 7.688% Allowed 7.660% Overby +0.028%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 01/15/2026 | 01/15/2026 | 01/15/2026 | 11/13/2025 |
| 320 | XX | XX |  | XX | New York | XX | Cash Out | Non-QM/Compliant | 4 | 1 | Credit | Guidelines | XX | Resolved | 4 | R | \* Loan does not conform to program guidelines (Lvl R) | Cash to borrower is $607,104.31, which exceeds the permitted cash-out cap of $500,000 and does not meet guideline requirements.<br>Resolved 11/19/2025 - Loan is delayed financing and should be classified as rate and term, condition resolved. | Resolved 11/19/2025 - Loan is delayed financing and should be classified as rate and term, condition resolved. | Resolved 11/19/2025 - Loan is delayed financing and should be classified as rate and term, condition resolved. |  |  | QC Complete | 01/15/2026 | 01/15/2026 | 01/15/2026 | 11/13/2025 |
| 324 | XX | XX |  | XX | Georgia | XX | Cash Out | Non-QM/Compliant | 4 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Final Application Incomplete (Lvl R) | Page 1 of the 1003 lists the borrower's primary residence as XX, while Page 4 identifies the subject property as the primary residence. Despite this inconsistency, the loan was originated and underwritten as a second home.<br>Not Resolved 11/19/2025 - Received LOX, however required updated corrected 1003 application showing the REO section property XX to be changed as Second home, condition not resolved.<br>Resolved 11/25/2025 - Received corrected 1003 for REO section, condition resolved. | Resolved 11/25/2025 - Received corrected 1003 for REO section, condition resolved. | Resolved 11/25/2025 - Received corrected 1003 for REO section, condition resolved. |  |  | QC Complete | 11/10/2025 | 11/25/2025 | 11/25/2025 | 11/07/2025 |
| 324 | XX | XX |  | XX | Georgia | XX | Cash Out | Non-QM/Compliant | 4 | 1 | Credit | Guidelines | XX | Resolved | 4 | R | \* Income documentation does not meet guidelines (Lvl R) | Payments received on a Note executed within the past 12 months, regardless of its term, cannot be considered stable income. A copy of the Note must be provided to document the terms— including payment amount, frequency, and duration— and to confirm that the income is expected to continue for at least three (3) years. If the borrower is not the original payee on the Note, the creditor must verify that the borrower has the legal right to enforce it.<br>Resolved 11/12/2025- Received Note document with Creditor sign, condition resolved. | Resolved 11/12/2025- Received Note document with Creditor sign, condition resolved. | Resolved 11/12/2025- Received Note document with Creditor sign, condition resolved. |  |  | QC Complete | 11/10/2025 | 11/12/2025 | 11/12/2025 | 11/07/2025 |
| 325 | XX | XX |  | XX | California | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of the Seller's Statement that includes the seller's signature.<br>Resolved 10/17/2025 - Received updated Seller Statement with seller signature, condition resolved. | Resolved 10/17/2025 - Received updated Seller Statement with seller signature, condition resolved. | Resolved 10/17/2025 - Received updated Seller Statement with seller signature, condition resolved. |  |  | QC Complete | 10/13/2025 | 10/17/2025 | 10/17/2025 | 10/10/2025 |
| 329 | XX | XX |  | XX | Tennessee | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of Hazard Insurance with annual premium reflecting on it.<br>Resolved 11/20/2025 - Received hazard insurance document with annual premium, condition resolved. | Resolved 11/20/2025 - Received hazard insurance document with annual premium, condition resolved. | Resolved 11/20/2025 - Received hazard insurance document with annual premium, condition resolved. |  |  | QC Complete | 11/07/2025 | 11/20/2025 | 11/20/2025 | 11/06/2025 |
| 333 | XX | XX |  | XX | Michigan | XX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | XX | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z<br>Higher-Priced Mortgage Loan Test: Charged 8.194% Allowed 7.790% +Overby 0.404%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 10/27/2025 | 10/27/2025 | 10/27/2025 | 10/24/2025 |
| 337 | XX | XX |  | XX | Pennsylvania | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | XX | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of proposed Lender's coverage on the Title Commitment is less than the loan amount. The document reflects coverage in the amount of $XX, however, the Note reflects a loan amount of $XX<br>Resolved 11/21/2025 - Received title commitment, condition resolved. | Resolved 11/21/2025 - Received title commitment, condition resolved. | Resolved 11/21/2025 - Received title commitment, condition resolved. |  |  | QC Complete | 11/12/2025 | 11/21/2025 | 11/21/2025 | 11/11/2025 |
| 337 | XX | XX |  | XX | Pennsylvania | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Valuation | Doc Issue | XX | Resolved | 3 | R | \* Subject or Comp Photos are missing or illegible (Lvl R) | Rent comparable #1 photos are missing from the loan package. Provide photos of rent comparable #1 listed in the appraisal.<br>Resolved 11/17/2025 - Received Lender response : Rent comparable #1 is the same address as the sale comparable #1. Photo is included for sale comparable #1, condition resolved. | Resolved 11/17/2025 - Received Lender response : Rent comparable #1 is the same address as the sale comparable #1. Photo is included for sale comparable #1, condition resolved. | Resolved 11/17/2025 - Received Lender response : Rent comparable #1 is the same address as the sale comparable #1. Photo is included for sale comparable #1, condition resolved. |  |  | QC Complete | 11/12/2025 | 11/17/2025 | 11/17/2025 | 11/12/2025 |
| 341 | XX | XX |  | XX | Colorado | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Property tax documentation is missing for XX<br>Resolved 11/17/2025 - Received Tax Info, condition resolved. | Resolved 11/17/2025 - Received Tax Info, condition resolved. | Resolved 11/17/2025 - Received Tax Info, condition resolved. |  |  | QC Complete | 11/13/2025 | 11/17/2025 | 11/17/2025 | 11/13/2025 |
| 341 | XX | XX |  | XX | Colorado | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit |  | XX | Resolved | 3 | R | \* Hazard Insurance (Lvl R) | The mortgagee clause on the master insurance policy must reflect XX mortgagee clause.<br>Resolved 12/02/2025 - Received mortgage clause, condition resolved. | Resolved 12/02/2025 - Received mortgage clause, condition resolved. | Resolved 12/02/2025 - Received mortgage clause, condition resolved. |  |  | QC Complete | 11/13/2025 | 12/02/2025 | 12/02/2025 | 11/13/2025 |
| 342 | XX | XX |  | XX | New York | XX | Purchase | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | XX | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | FTHB Living Rent free for last 5 years.<br>A copy of an exception approval letter is available in the loan file. |  |  | LTV: 75.00% LTV is less than the guideline requirement of 90.00%.<br>DTI: 18.09% DTI is less than the maximum guideline requirement of 50.00%. |  | QC Complete | 11/12/2025 |  |  | 11/11/2025 |
| 343 | XX | XX |  | XX | New York | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Missing supporting documentation for the additional PITIA component in the amount of $426.97.<br>Resolved 11/18/2025 - Received Condo Questionnaire and LOW for the value $426.97, condition resolved. | Resolved 11/18/2025 - Received Condo Questionnaire and LOW for the value $426.97, condition resolved. | Resolved 11/18/2025 - Received Condo Questionnaire and LOW for the value $426.97, condition resolved. |  |  | QC Complete | 11/13/2025 | 11/18/2025 | 11/18/2025 | 11/12/2025 |
| 349 | XX | XX |  | XX | Florida | XX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | AUS | XX | Resolved | 3 | R | \* Housing Payment (Lvl R) | Missing documentation for taxes and insurance on below rental properties.<br>1). XX<br>2). XX<br>Resolved 11/19/2025 - Received tax and insurance for rental properties, condition resolved. | Resolved 11/19/2025 - Received tax and insurance for rental properties, condition resolved. | Resolved 11/19/2025 - Received tax and insurance for rental properties, condition resolved. |  |  | QC Complete | 01/15/2026 | 01/15/2026 | 01/15/2026 | 11/14/2025 |
| 352 | XX | XX |  | XX | Arizona | XX | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | XX | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide a copy of title supplement report as the insured amount $XX0 is not covering the loan amount $XX<br>Resolved 11/13/2025 - Received title policy, condition resolved. | Resolved 11/13/2025 - Received title policy, condition resolved. | Resolved 11/13/2025 - Received title policy, condition resolved. |  |  | QC Complete | 11/04/2025 | 11/13/2025 | 11/13/2025 | 11/04/2025 |
| 352 | XX | XX |  | XX | Arizona | XX | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Mortgage MERS - MIN number available for 16 digits. Required 18 digit MIN number.<br>Resolved 11/6/2025 - Received 18 digit MIN number, condition resolved. | Resolved 11/6/2025 - Received 18 digit MIN number, condition resolved. | Resolved 11/6/2025 - Received 18 digit MIN number, condition resolved. |  |  | QC Complete | 11/04/2025 | 11/06/2025 | 11/06/2025 | 11/04/2025 |
| 355 | XX | XX |  | XX | Maryland | XX | Cash Out | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | XX | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Loan amount of $XX, below the minimum of $100,000.00 A copy of an exception approval letter is available in the loan file. |  |  | FICO: 766 FICO exceeds the guideline requirement of 720.<br> DSCR: 1.44 DSCR exceeds the guideline requirement of 0.50.<br> Reserves: The 82 months of available reserves are more than the guideline requirement of 6 months. |  | QC Complete | 11/10/2025 |  |  | 11/10/2025 |
| 372 | XX | XX |  | XX | North Carolina | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Correction required on the 1003 form: In the REO section, the property at XX is incorrectly listed as a Primary Residence. It should be updated to reflect Investment property.<br>Resolved on 10/20/2025 : Received final 1003 after correction , condition resolved. | Resolved on 10/20/2025 : Received final 1003 after correction , condition resolved. | Resolved on 10/20/2025 : Received final 1003 after correction , condition resolved. |  |  | QC Complete | 10/14/2025 | 10/20/2025 | 10/20/2025 | 10/10/2025 |
| 375 | XX | XX |  | XX | Delaware | XX | Purchase | Non-QM/Compliant | 3 | 1 | Valuation | Property | XX | Resolved | 3 | R | \* Property Issues indicated (Lvl R) | Provide updated appraisal with change in XX from X to AE.<br>Resolved 11/19/2025 - Received corrected appraisal report, condition resolved. | Resolved 11/19/2025 - Received corrected appraisal report, condition resolved. | Resolved 11/19/2025 - Received corrected appraisal report, condition resolved. |  |  | QC Complete | 11/11/2025 | 11/19/2025 | 11/19/2025 | 11/07/2025 |
| 377 | XX | XX |  | XX | Florida | XX | Cash Out | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | XX | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z<br>Higher-Priced Mortgage Loan Test: Charged 8.432% Allowed 7.790% Overby+0.642%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 11/11/2025 | 11/11/2025 | 11/11/2025 | 11/10/2025 |
| 379 | XX | XX |  | XX | New York | XX | Purchase | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | XX | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | FTHB living rent free<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 798 FICO exceeds the guideline requirement of 720.<br>DTI: 3.95% DTI is less than the maximum guideline requirement of 50.00%.<br>Reserves: The 22 months of available reserves are more than the guideline requirement of 6 months. |  | QC Complete | 11/10/2025 |  |  | 11/07/2025 |
| 381 | XX | XX |  | XX | Florida | XX | Purchase | Non-QM/Compliant | 3 | 1 | Servicing | Servicing | XX | Resolved | 3 | R | \* Title Issue (Lvl R) | Missing the settlement agent's liability insurance policy. (Errors & Omissions policy).<br>Resolved 10/22/2025 - Received E&O policy, condition resolved. | Resolved 10/22/2025 - Received E&O policy, condition resolved. | Resolved 10/22/2025 - Received E&O policy, condition resolved. |  |  | QC Complete | 10/14/2025 | 10/22/2025 | 10/22/2025 | 10/13/2025 |
| 387 | XX | XX |  | XX | Idaho | XX | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | XX | Resolved | 3 | R | \* Intent to Proceed Missing (Lvl R) | Missing Intent to Proceed Document.<br>Resolved 10/23/2025: Received Intent to Proceed dated 09/18/2025 and exception is cleared. | Resolved 10/23/2025: Received Intent to Proceed dated 09/XX/2025 and exception is cleared. | Resolved 10/23/2025: Received Intent to Proceed dated 09/XX/2025 and exception is cleared. |  |  | QC Complete | 01/15/2026 | 01/15/2026 | 01/15/2026 | 10/21/2025 |
| 387 | XX | XX |  | XX | Idaho | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Other Disclosures | XX | Resolved | 3 | R | \* Missing Required Disclosures (Lvl R) | Provide supporting documentation to verify the 'Other' component of PITI listed on the application in the amount of $1,000.<br>Resolved 10/29/2025 - Received corrected 1003 by removing other payment $1000, condition resolved. | Resolved 10/29/2025 - Received corrected 1003 by removing other payment $1000, condition resolved. | Resolved 10/29/2025 - Received corrected 1003 by removing other payment $1000, condition resolved. |  |  | QC Complete | 01/15/2026 | 01/15/2026 | 01/15/2026 | 10/21/2025 |
| 392 | XX | XX |  | XX | Indiana | XX | Refinance | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | XX | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.185% Allowed 7.740% Overby+0.445%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 11/11/2025 | 11/11/2025 | 11/11/2025 | 11/10/2025 |
| 392 | XX | XX |  | XX | Indiana | XX | Refinance | Non-QM/Compliant | 4 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | The mortgage being paid off is solely in XX name. Since the current borrower has no housing history, a rent-free letter signed by both the borrower and XX is required.<br>Resolved 11/17/2025 - Received lender response:The mortgage payment is being made out of a joint XX account that we have in the file. Also this is a refi on this file and the other borrower is no longer living rent free in this property so no rent free letter is needed as they are paying the mortgage now and our mortgage is in their name also. | Resolved 11/17/2025 - The mortgage payment is being made out of a joint XX account that we have in the file. Also this is a refi on this file and the other borrower is no longer living rent free in this property so no rent free letter is needed as they are paying the mortgage now and our mortgage is in their name also. | Resolved 11/17/2025 - The mortgage payment is being made out of a joint XX account that we have in the file. Also this is a refi on this file and the other borrower is no longer living rent free in this property so no rent free letter is needed as they are paying the mortgage now and our mortgage is in their name also. |  |  | QC Complete | 11/11/2025 | 11/17/2025 | 11/17/2025 | 11/10/2025 |
| 393 | XX | XX |  | XX | Georgia | XX | Cash Out | Not Covered/Exempt | 3 | 2 | Credit | Guidelines | XX | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Subject property is a log home.<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 758 FICO exceeds the guideline requirement of 700.<br>Residual Income : $7,174.41 monthly <br>DTI: 44.44% DTI is less than the maximum guideline requirement of 50.00%. |  | QC Complete | 11/11/2025 |  |  | 11/10/2025 |
| 393 | XX | XX |  | XX | Georgia | XX | Cash Out | Not Covered/Exempt | 3 | 2 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide supporting documents for $1,197.01 the primary property "XX" as it is missing.<br>Resolved 11/24/2025 - Received mortgage statement for primary property, condition resolved. | Resolved 11/24/2025 - Received mortgage statement for primary property, condition resolved. | Resolved 11/24/2025 - Received mortgage statement for primary property, condition resolved. |  |  | QC Complete | 11/11/2025 | 11/24/2025 | 11/24/2025 | 11/10/2025 |
| 398 | XX | XX |  | XX | Washington | XX | Purchase | Non-QM/Compliant | 3 | 1 | Servicing | Servicing | XX | Resolved | 3 | R | \* Title Issue (Lvl R) | Missing the settlement agent's liability policy. (Errors & omissions policy).<br>Resolved 11/04/2025 - Received E&O Policy, condition resolved. | Resolved 11/04/2025 - Received E&O Policy, condition resolved. | Resolved 11/04/2025 - Received E&O Policy, condition resolved. |  |  | QC Complete | 10/28/2025 | 11/04/2025 | 11/04/2025 | 10/27/2025 |
| 405 | XX | XX |  | XX | Pennsylvania | XX | Purchase | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | XX | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Request to waive the 2nd appraisal report. The CDA variance is -15.6% but the CDA value is $XX and the purchase price is $XX. Both the appraisal and CDA support the appraised value.<br>A copy of an exception approval letter is available in the loan file. |  |  | DTI: 45.50% DTI is less than the maximum guideline requirement of 50.00%.<br>FICO: 748 FICO exceeds the guideline requirement of 740.<br>Reserves: The 13 months of available reserves are more than the guideline requirement of 9 months. |  | QC Complete | 11/12/2025 |  |  | 11/12/2025 |
| 407 | XX | XX |  | XX | Indiana | XX | Purchase | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | XX | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Loan file does not meet guidelines requirement. As per guidelines 50% DTI allowed. However, Calculated DTI is 52.575%<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 783 FICO exceeds the guideline requirement of 700.<br>Reserves: The 74 months of available reserves are more than the guideline requirement of 8 months.<br>LTV: 70.00% LTV is less than the guideline requirement of 85.00%. |  | QC Complete | 01/15/2026 |  |  | 01/15/2026 |
| 412 | XX | XX |  | XX | California | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | XX | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of title insurance $XX does not cover the loan amount $XX. Provide a copy of the title updated supplement report to cover the loan amount.<br>Resolved 10/29/2025 - Received title report with insured amount, condition resolved. | Resolved 10/29/2025 - Received title report with insured amount, condition resolved. | Resolved 10/29/2025 - Received title report with insured amount, condition resolved. |  |  | QC Complete | 10/22/2025 | 10/29/2025 | 10/29/2025 | 10/21/2025 |
| 414 | XX | XX |  | XX | Maryland | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Assets Insufficient | XX | Resolved | 3 | R | \* Assets are not sufficient to close (Lvl R) | The available assets are insufficient to cover the required reserves and cash to close. Please provide a copy of the seller statement or seller closing disclosure for the property at XX for XX0, as this document is currently missing.<br>Resolved 11/03/2025 - Received Seller CD with closing amount $XX for property # XX, condition resolved. | Resolved 11/03/2025 - Received Seller CD with closing amount $XX for property # XX condition resolved. | Resolved 11/03/2025 - Received Seller CD with closing amount $XX for property # XX, condition resolved. |  |  | QC Complete | 10/22/2025 | 11/03/2025 | 11/03/2025 | 10/22/2025 |
| 418 | XX | XX |  | XX | California | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | XX | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide updated supplemental report with amount of title insurance covering the loan amount $XX.<br>Resolved 10/31/2025 - Received title supplement report with insured amount, condition resolved. | Resolved 10/31/2025 - Received title supplement report with insured amount, condition resolved. | Resolved 10/31/2025 - Received title supplement report with insured amount, condition resolved. |  |  | QC Complete | 01/15/2026 | 01/15/2026 | 01/15/2026 | 10/XX/2025 |
| 426 | XX | XX |  | XX | Louisiana | XX | Purchase | Non-QM/Compliant | 4 | 2 | Compliance | Compliance | XX | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.867% Allowed 7.720% Overby+1.147%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 01/15/2026 | 01/15/2026 | 01/15/2026 | 11/04/2025 |
| 426 | XX | XX |  | XX | Louisiana | XX | Purchase | Non-QM/Compliant | 4 | 2 | Credit | Guidelines | XX | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Exception requested for limited documentation to sufficiently verify rental payments.<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 794 FICO exceeds the guideline requirement of 720.<br>DTI: 35.17% DTI is less than the maximum guideline requirement of 43.00%.<br>Reserves: The 19 months of available reserves are more than the guideline requirement of 3 months. |  | QC Complete | 01/15/2026 |  |  | 11/04/2025 |
| 428 | XX | XX |  | XX | Tennessee | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Please provide copies of the lease extension agreements for XX), as all current leases have expired.<br>Resolved 11/14/2025 - Received lease agreement, condition resolved. | Resolved 11/14/2025 - Received lease agreement, condition resolved. | Resolved 11/14/2025 - Received lease agreement, condition resolved. |  |  | QC Complete | 11/11/2025 | 11/14/2025 | 11/14/2025 | 11/07/2025 |
| 434 | XX | XX |  | XX | Georgia | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of condo questionnaire as it is missing.<br>Resolved 11/04/2025 - Received LOX as condo questionnaire is not required for FNMA Approved project, condition resolved. | Resolved 11/04/2025 - Received LOX as condo questionnaire is not required for FNMA Approved project, condition resolved. | Resolved 11/04/2025 - Received LOX as condo questionnaire is not required for FNMA Approved project, condition resolved. |  |  | QC Complete | 10/29/2025 | 11/04/2025 | 11/04/2025 | 10/28/2025 |
| 441 | XX | XX |  | XX | California | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | XX | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide updated supplemental report with amount of title insurance covering the loan amount $XX<br>Resolved 10/20/2025 : Received title report with amount of title insurance covering the loan amount, condition resolved. | Resolved 10/20/2025 : Received title report with amount of title insurance covering the loan amount, condition resolved. | Resolved 10/20/2025 : Received title report with amount of title insurance covering the loan amount, condition resolved. |  |  | QC Complete | 10/08/2025 | 10/20/2025 | 10/20/2025 | 10/07/2025 |
| 447 | XX | XX |  | XX | Indiana | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Missing Final Closing Disclosure.<br>Resolved 10/29/2025: Received Final Closing Disclosure dated 10/XX/2025 and exception is cleared. | Resolved 10/29/2025: Received Final Closing Disclosure dated 10/XX/2025 and exception is cleared. | Resolved 10/29/2025: Received Final Closing Disclosure dated 10/XX/2025 and exception is cleared. |  |  | QC Complete | 01/15/2026 | 01/15/2026 | 01/15/2026 | 01/15/2026 |
| 451 | XX | XX |  | XX | Florida | XX | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of proof of omission for below liability account:<br>1)XX Balance:$8, 0000 and Payment:$516<br> 2)XX Balance:$5,000 and Payment $390<br>Resolved 11/17/2025 - Received Lender response, condition resolved. | Resolved 11/17/2025 - Received Lender response, condition resolved. | Resolved 11/17/2025 - Received Lender response, condition resolved. |  |  | QC Complete | 11/11/2025 | 11/17/2025 | 11/17/2025 | 11/10/2025 |
| 452 | XX | XX |  | XX | Pennsylvania | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of the lease agreement for the subject property located at XX.<br>Resolved 11/14/2025 - Purchase investment not required lease agreement, condition resolved. | Resolved 11/14/2025 - Purchase investment not required lease agreement, condition resolved. | Resolved 11/14/2025 - Purchase investment not required lease agreement, condition resolved. |  |  | QC Complete | 11/07/2025 | 11/14/2025 | 11/14/2025 | 11/07/2025 |
| 453 | XX | XX |  | XX | Michigan | XX | Purchase | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | XX | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Credit: Housing Payment History : waive prior verification of rent from when borrower was XX. <br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 766 FICO exceeds the guideline requirement of 720.<br>Reserves: The 7 months of available reserves are more than the guideline requirement of 6 months.<br>DSCR: 1.52 DSCR exceeds the guideline requirement of 1.00. |  | QC Complete | 12/04/2025 |  |  | 12/04/2025 |
| 458 | XX | XX |  | XX | Alaska | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit |  | XX | Resolved | 3 | R | \* Hazard Insurance (Lvl R) | The Hazard insurance policy binders in the loan file that are "active" are both dated 10/XX2025 however, the note & close of escrow date is 10/XX/2025. There was no active policy in place at the time of official close of the subject transaction. (there are several "QUOTED policies in the file however, those are not active or in place prior to or equal to the note date/close date). Guidelines require Hazard insurance be effective on or before the note/close date. A valid policy should have been obtained to document the building's dwelling coverage prior to close.<br>Resolved 10/23/2025 - Received Client response as " This is an escrow state and the loan did not disburse until 10XX. There for the hoi policy dated 10/XX was valid ", condition resolved. | Resolved 10/23/2025 - Received Client response as " This is an escrow state and the loan did not disburse until 10/6. There for the hoi policy dated 10/3 was valid ", condition resolved. | Resolved 10/23/2025 - Received Client response as " This is an escrow state and the loan did not disburse until 10/xx. There for the hoi policy dated 10/xx was valid ", condition resolved. |  |  | QC Complete | 10/15/2025 | 10/23/2025 | 10/23/2025 | 10/14/2025 |
| 467 | XX | XX |  | XX | Maryland | XX | Purchase | Non-QM/Compliant | 4 | 2 | Compliance | Compliance | XX | Resolved | 4 | R | \* State Higher Price Mortgage Loan (Lvl R) | Maryland COMAR 09.03.06.02B(13) , COMAR09.03.09.02B(6) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of Maryland Regulations (COMAR).<br>MD COMAR Higher-Priced Mortgage Loan Test: Charged 8.134% Allowed 7.740% Overby +0.394%<br>This loan is compliant with regulation Maryland COMAR 09.03.06.02B(13) , COMAR09.03.09.02B(6). | This loan is compliant with regulation Maryland COMAR 09.03.06.02B(13) , COMAR09.03.09.02B(6). | This loan is compliant with regulation Maryland COMAR 09.03.06.02B(13) , COMAR09.03.09.02B(6). |  |  | QC Complete | 11/14/2025 | 11/14/2025 | 11/14/2025 | 11/14/2025 |
| 467 | XX | XX |  | XX | Maryland | XX | Purchase | Non-QM/Compliant | 4 | 2 | Compliance | Compliance | XX | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.134% Allowed 7.740% Overby +0.394%<br>This loan is compliant with regulation 1026.35 | This loan is compliant with regulation 1026.35 | This loan is compliant with regulation 1026.35 |  |  | QC Complete | 11/14/2025 | 11/14/2025 | 11/14/2025 | 11/14/2025 |
| 467 | XX | XX |  | XX | Maryland | XX | Purchase | Non-QM/Compliant | 4 | 2 | Credit | Guidelines | XX | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | FICO = 4 pt FICO exception to allow up to max LTV of 90%<br>A copy of an exception approval letter is available in the loan file. |  |  | DTI: 44.62% DTI is less than the maximum guideline requirement of 50.00%.<br>Residual Income: $8,761.38 monthly. |  | QC Complete | 11/14/2025 |  |  | 11/13/2025 |
| 473 | XX | XX |  | XX | Pennsylvania | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Valuation | Doc Issue | XX | Resolved | 3 | R | \* Subject or Comp Photos are missing or illegible (Lvl R) | Rent comparable #1 photos are missing from the loan package. Provide photos of rent comparable #1 listed in the appraisal.<br>Resolved 11/25/2025 - Received corrected comparable 1 photos, condition resolved. | Resolved 11/25/2025 - Received corrected comparable 1 photos, condition resolved. | Resolved 11/25/2025 - Received corrected comparable 1 photos, condition resolved. |  |  | QC Complete | 11/12/2025 | 11/25/2025 | 11/25/2025 | 11/12/2025 |
| 478 | XX | XX |  | XX | Utah | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Guidelines | XX | Resolved | 3 | R | \* Income documentation does not meet guidelines (Lvl R) | Proof of disability income and documentation for the 2024 tax extension are missing.<br>Resolved 10/22/2025 - Received disability income document, condition resolved. | Resolved 10/22/2025 - Received disability income document, condition resolved. | Resolved 10/22/2025 - Received disability income document, condition resolved. |  |  | QC Complete | 10/13/2025 | 10/22/2025 | 10/22/2025 | 10/13/2025 |
| 479 | XX | XX |  | XX | North Carolina | XX | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide an updated appraisal report with occupancy as "Tenant" or "vacant" as the transaction type is refinance of investment.<br>Resolved 11/25/2025 - Received revised appraisal report, condition resolved. | Resolved 11/25/2025 - Received revised appraisal report, condition resolved. | Resolved 11/25/2025 - Received revised appraisal report, condition resolved. |  |  | QC Complete | 01/15/2026 | 01/15/2026 | 01/15/2026 | 11/14/2025 |
| 479 | XX | XX |  | XX | North Carolina | XX | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Missing Final Closing Disclosure.<br>Resolved 11/21/2025: Received Final Closing Disclosure dated 10/XX/2025 and exception is cleared. | Resolved 11/21/2025: Received Final Closing Disclosure dated 10/XX/2025 and exception is cleared. | Resolved 11/21/2025: Received Final Closing Disclosure dated 10/XX/2025 and exception is cleared. |  |  | QC Complete | 01/15/2026 | 01/15/2026 | 01/15/2026 | 01/15/2026 |
| 489 | XX | XX |  | XX | Pennsylvania | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | XX | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of title insurance $XX does not cover the loan amount $XX. Provide a copy of the title supplement report to cover the loan amount.<br>Resolved 11/14/2025 - Received title report, condition resolved. | Resolved 11/14/2025 - Received title report, condition resolved. | Resolved 11/14/2025 - Received title report, condition resolved. |  |  | QC Complete | 11/12/2025 | 11/14/2025 | 11/14/2025 | 11/11/2025 |
| 494 | XX | XX |  | XX | Indiana | XX | Purchase | Non-QM/Compliant | 2 | 2 | Credit | Credit | XX | Waived | 2 | W | \* Required Documentation Missing (Lvl W) | Income to allow joint bank statement for SELF product without requiring joint owner to be on the loan. <br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 802 FICO exceeds the guideline requirement of 740.<br>DTI: 38.37% DTI is less than the maximum guideline requirement of 50.00%.<br>Residual Income : $$5,417.81.00 monthly |  | QC Complete | 10/28/2025 |  |  | 10/27/2025 |
| 500 | XX | XX |  | XX | New York | XX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | XX | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.015% Allowed 7.670% Overby +0.345%.<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 11/24/2025 | 11/24/2025 | 11/24/2025 | 11/20/2025 |
| 512 | XX | XX |  | XX | California | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | XX | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide updated supplemental report with amount of title insurance covering the loan amount $XX.<br>Resolved 12/2/2025 - Received title report with insured amount, condition resolved. | Resolved 12/2/2025 - Received title report with insured amount, condition resolved. | Resolved 12/2/2025 - Received title report with insured amount, condition resolved. |  |  | QC Complete | 11/21/2025 | 12/02/2025 | 12/02/2025 | 11/20/2025 |
| 514 | XX | XX |  | XX | Tennessee | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit |  | XX | Resolved | 3 | R | \* Hazard Insurance (Lvl R) | The Hazard Insurance in the loan file lists the property address however, it is incomplete. The location premises insured is listed as "XX" without a street number. The subject property should be listed in full as stated on the Note and all other loan documents. (XX).<br>Resolved 11/11/2025 - Received updated insurance document, condition resolved. | Resolved 11/11/2025 - Received updated insurance document, condition resolved. | Resolved 11/11/2025 - Received updated insurance document, condition resolved. |  |  | QC Complete | 10/15/2025 | 11/11/2025 | 11/11/2025 | 10/14/2025 |
| 528 | XX | XX |  | XX | Texas | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide hazard Insurance for subject property with correct mortgagee clause.<br>Resolved 11/20/2025 - Received insurance with mortgage clause, condition resolved. | Resolved 11/20/2025 - Received insurance with mortgage clause, condition resolved. | Resolved 11/20/2025 - Received insurance with mortgage clause, condition resolved. |  |  | QC Complete | 11/05/2025 | 11/20/2025 | 11/20/2025 | 11/04/2025 |
| 529 | XX | XX |  | XX | North Carolina | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide an updated master policy with borrower name & mortgage clause reflecting on it.<br>Resolved 11/19/2025 - Received LOE as the master policy does not mandatory to list borrower and XX mortgagee clause, condition resolved. | Resolved 11/19/2025 - Received LOE as the master policy does not mandatory to list borrower and XX mortgagee clause, condition resolved. | Resolved 11/19/2025 - Received LOE as the master policy does not mandatory to list borrower and XX mortgagee clause, condition resolved. |  |  | QC Complete | 11/13/2025 | 11/19/2025 | 11/19/2025 | 11/12/2025 |
| 533 | XX | XX |  | XX | Nevada | XX | Purchase | Non-QM/Compliant | 3 | 2 | Compliance | Compliance | XX | Resolved | 3 | R | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl R) | Missing Initial Closing Disclosure.<br>Needed initial Closing Disclosure prior to 3 business days of consummation date 10/XX/2025.<br>Resolved 11/17/2025: Received Initial Closing Disclosure dated 10/XX/2025 and exception is cleared. | Resolved 11/17/2025: Received Initial Closing Disclosure dated 10/XX/2025 and exception is cleared. | Resolved 11/17/2025: Received Initial Closing Disclosure dated 10/XX/2025 and exception is cleared. |  |  | QC Complete | 11/10/2025 | 11/17/2025 | 11/17/2025 | 11/10/2025 |
| 533 | XX | XX |  | XX | Nevada | XX | Purchase | Non-QM/Compliant | 3 | 2 | Credit | Guidelines | XX | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Having 2024 and 2023 transcripts, missing record of account, already have confirmation on IRS payment plan<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 765 FICO exceeds the guideline requirement of 720.<br>LTV: 77.84% LTV is less than the guideline requirement of 85.00%.<br>DTI: 44.41% DTI is less than the maximum guideline requirement of 50.00%. |  | QC Complete | 11/10/2025 |  |  | 11/07/2025 |
| 534 | XX | XX |  | XX | Illinois | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of hazard insurance with Mortgage Clause.<br>Resolved 11/20/2025 - Received insurance document with mortgage clause, condition resolved. | Resolved 11/20/2025 - Received insurance document with mortgage clause, condition resolved. | Resolved 11/20/2025 - Received insurance document with mortgage clause, condition resolved. |  |  | QC Complete | 11/11/2025 | 11/20/2025 | 11/20/2025 | 11/11/2025 |
| 538 | XX | XX |  | XX | Tennessee | XX | Purchase | Not Covered/Exempt | 2 | 2 | Valuation | Property | XX | Waived | 2 | W | \* Property Issues indicated (Lvl W) | The subject is a log cabin; it is not acceptable by the guidelines. <br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 793 FICO exceeds the guideline requirement of 720.<br>DSCR: 1.15 DSCR exceeds the guideline requirement of 1.00.<br>Reserves: The 47 months of available reserves are more than the guideline requirement of 6 months. |  | QC Complete | 01/15/2026 |  |  | 10/23/2025 |
| 543 | XX | XX |  | XX | New York | XX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | XX | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 7.880% Allowed 7.790% Overby +0.090%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 11/14/2025 | 11/14/2025 | 11/14/2025 | 11/14/2025 |
| 545 | XX | XX |  | XX | New Jersey | XX | Purchase | Not Covered/Exempt | 2 | 2 | Credit | Eligibility | XX | Waived | 2 | W | \* Property Type does not meet eligibility requirement(s) (Lvl W) | Requesting SLE as condo is XX square feet which is less than the minimum square footage allowed of 500 sq ft<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 753 FICO exceeds the guideline requirement of 720.<br>DTI: 26.21% DTI is less than the maximum guideline requirement of 50.00%.<br>LTV: 80.00% LTV is less than the guideline requirement of 85.00%. |  | QC Complete | 11/04/2025 |  |  | 11/04/2025 |
| 545 | XX | XX |  | XX | New Jersey | XX | Purchase | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | XX | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Project legals allow fractional ownership and Insufficient reserves, 5.14% reserve allocation andonly 12.74% reserve balance (20% required)<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 753 FICO exceeds the guideline requirement of 720.<br>DTI: 26.21% DTI is less than the maximum guideline requirement of 50.00%.<br>LTV: 80.00% LTV is less than the guideline requirement of 85.00%. |  | QC Complete | 11/04/2025 |  |  | 11/04/2025 |
| 546 | XX | XX |  | XX | New York | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Please correct the property address on the hazard insurance to: XX.<br>Resolved 11/7/2025 - Received hazard insurance document with corrected property address, condition resolved. | Resolved 11/7/2025 - Received hazard insurance document with corrected property address, condition resolved. | Resolved 11/7/2025 - Received hazard insurance document with corrected property address, condition resolved. |  |  | QC Complete | 10/13/2025 | 11/07/2025 | 11/07/2025 | 10/13/2025 |
| 548 | XX | XX |  | XX | Washington | XX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | XX | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 9.155% Allowed 8.810% Overby +0.345%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 10/29/2025 | 10/30/2025 | 10/30/2025 | 10/28/2025 |
| 553 | XX | XX |  | XX | Nevada | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide updated copies of the loan approval and Form 1008, as both currently show a loan amount of $XX which does not match the Note reflecting $XX.<br>Resolved 10/10/2025 - Received Updated 1008 document with loan amount, condition resolved. | Resolved 10/10/2025 - Received Updated 1008 document with loan amount, condition resolved. | Resolved 10/10/2025 - Received Updated 1008 document with loan amount, condition resolved. |  |  | QC Complete | 10/07/2025 | 10/10/2025 | 10/10/2025 | 10/07/2025 |
| 553 | XX | XX |  | XX | Nevada | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Borrower Identity Missing (Lvl R) | Provide a copy of the driver's license or other acceptable form of identification for the borrower, as it is missing.<br>Resolved 10/XX/2025 - Received GOV ID, condition resolved. | Resolved 10/XX/2025 - Received GOV ID, condition resolved. | Resolved 10/XX/2025 - Received GOV ID, condition resolved. |  |  | QC Complete | 10/07/2025 | 10/XX/2025 | 10/XX/2025 | 10/07/2025 |
| 555 | XX | XX |  | XX | Louisiana | XX | Cash Out | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | XX | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z<br>Higher-Priced Mortgage Loan Test: Charged 8.011% Allowed 7.740% Overby +0.271%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35.<br>| This loan is compliant with regulation 1026.35.<br>|  |  | QC Complete | 01/16/2026 | 01/16/2026 | 01/16/2026 | 11/14/2025 |
| 556 | XX | XX |  | XX | Florida | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide income documentation verifying $2,575.08 for the borrower, XX<br>Resolved 10/31/2025 - Received Lender LOX with proof of income in available bank statement, condition resolved. | Resolved 10/31/2025 - Received Lender LOX with proof of income in available bank statement, condition resolved. | Resolved 10/31/2025 - Received Lender LOX with proof of income in available bank statement, condition resolved. |  |  | QC Complete | 10/24/2025 | 10/31/2025 | 10/31/2025 | 10/23/2025 |
| 556 | XX | XX |  | XX | Florida | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide income documentation verifying $9,379.35 for the borrower, XX<br>Resolved 10/31/2025 - Received Lender LOX with proof of income in available bank statement, condition resolved. | Resolved 10/31/2025 - Received Lender LOX with proof of income in available bank statement, condition resolved. | Resolved 10/31/2025 - Received Lender LOX with proof of income in available bank statement, condition resolved. |  |  | QC Complete | 10/24/2025 | 10/31/2025 | 10/31/2025 | 10/23/2025 |
| 557 | XX | XX |  | XX | Florida | XX | Cash Out | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | XX | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | XX XX 30 Year Fixed 1 Yr Bank Stmt<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 738 FICO exceeds the guideline requirement of 700.<br>LTV: 70.98% LTV is less than the guideline requirement of 80.00%.<br>Reserves: The 23 months of available reserves are more than the guideline requirement of 6 months. |  | QC Complete | 11/07/2025 |  |  | 11/06/2025 |
| 559 | XX | XX |  | XX | California | XX | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | XX | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide updated supplemental report with amount of title insurance covering the loan amount $XX.<br>Resolved 11/14/2025 - Received title policy, condition resolved. | Resolved 11/14/2025 - Received title policy, condition resolved. | Resolved 11/14/2025 - Received title policy, condition resolved. |  |  | QC Complete | 11/07/2025 | 11/14/2025 | 11/14/2025 | 11/06/2025 |
| 561 | XX | XX |  | XX | Wisconsin | XX | Purchase | Non-QM/Compliant | 4 | 2 | Credit | Guidelines | XX | Resolved | 4 | R | \* Credit history does not meet guidelines (Lvl R) | The loan does not meet the requirement of having three (3) tradelines from traditional credit sources that have been reported for at least 12 months prior to the application date (open or closed), including at least one (1) tradeline that has been reported for a minimum of twenty-four (24) months.<br>Resolved on 11/17/2025: Received credit supplement to verify 24 months payment history , condition resolved. | Resolved on 11/17/2025: Received credit supplement to verify 24 months payment history , condition resolved. | Resolved on 11/17/2025: Received credit supplement to verify 24 months payment history , condition resolved. |  |  | QC Complete | 11/10/2025 | 11/17/2025 | 11/17/2025 | 11/07/2025 |
| 561 | XX | XX |  | XX | Wisconsin | XX | Purchase | Non-QM/Compliant | 4 | 2 | Credit | Guidelines | XX | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | EAD/Visa/Green Card<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 726 FICO exceeds the guideline requirement of 720.<br>Reserves: The 6 months of available reserves are more than the guideline requirement of 3 months.<br>DTI: 27.77% DTI is less than the maximum guideline requirement of 50.00%. |  | QC Complete | 11/10/2025 |  |  | 11/07/2025 |
| 561 | XX | XX |  | XX | Wisconsin | XX | Purchase | Non-QM/Compliant | 4 | 2 | Compliance | Compliance | XX | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 9.516% Allowed 7.740% Overby +1.776%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 11/10/2025 | 11/10/2025 | 11/10/2025 | 11/07/2025 |
| 562 | XX | XX |  | XX | Texas | XX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | XX | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 7.832% Allowed 7.810% Overby +0.022%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 10/29/2025 | 10/30/2025 | 10/30/2025 | 10/29/2025 |
| 563 | XX | XX |  | XX | New Jersey | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Valuation | Doc Issue | XX | Resolved | 3 | R | \* Subject or Comp Photos are missing or illegible (Lvl R) | Rent comparable photos are missing from the loan file. Please provide photos for all rent comparables listed in the appraisal.<br>Resolved 11/04/2025 - Received Rent comparable, condition resolved. | Resolved 11/04/2025 - Received Rent comparable, condition resolved. | Resolved 11/04/2025 - Received Rent comparable, condition resolved. |  |  | QC Complete | 10/27/2025 | 11/04/2025 | 11/04/2025 | 10/23/2025 |
| 564 | XX | XX |  | XX | New York | XX | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of lease agreement for XX, as it is currently missing from the loan file.<br>Resolved 11/21/2025 - Received lease agreement, condition resolved. | Resolved 11/21/2025 - Received lease agreement, condition resolved. | Resolved 11/21/2025 - Received lease agreement, condition resolved. |  |  | QC Complete | 11/14/2025 | 11/21/2025 | 11/21/2025 | 11/13/2025 |
| 570 | XX | XX |  | XX | Michigan | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | XX | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of title insurance of $XX on the Title Commitment is less than the loan amount $XX.<br>Resolved 10/29/2025 - Received final title policy, condition resolved. | Resolved 10/29/2025 - Received final title policy, condition resolved. | Resolved 10/29/2025 - Received final title policy, condition resolved. |  |  | QC Complete | 10/24/2025 | 10/29/2025 | 10/29/2025 | 10/23/2025 |
| 574 | XX | XX |  | XX | Texas | XX | Purchase | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | XX | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Lack of full 2 year foreign income verification prior to employment gap<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 756 FICO exceeds the guideline requirement of 720.<br>DTI: 42.36% DTI is less than the maximum guideline requirement of 50.00%.<br>LTV: 80.00% LTV is less than the guideline requirement of 85.00%. |  | QC Complete | 10/31/2025 |  |  | 10/31/2025 |
| 585 | XX | XX |  | XX | New York | XX | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Doc Issue | XX | Resolved | 3 | R | \* Subject or Comp Photos are missing or illegible (Lvl R) | Provide a copy of the updated appraisal report, including interior photos, comparable sales photos, and page 7, which is currently missing.<br>Resolved 11/11/2025 - Received appraisal report page no 7, condition resolved. | Resolved 11/11/2025 - Received appraisal report page no 7, condition resolved. | Resolved 11/11/2025 - Received appraisal report page no 7, condition resolved. |  |  | QC Complete | 10/29/2025 | 11/11/2025 | 11/11/2025 | 10/29/2025 |
| 587 | XX | XX |  | XX | New York | XX | Cash Out | Non-QM/Compliant | 4 | 1 | Credit |  | XX | Resolved | 4 | R | \* DTI > 50% (Lvl R) | Provide documentation to support the exclusion of XX<br>Resolved 11/28/2025 - Received LOX as the account is paid off, condition resolved. | Resolved 11/28/2025 - Received LOX as the account is paid off, condition resolved. | Resolved 11/28/2025 - Received LOX as the account is paid off, condition resolved. |  |  | QC Complete | 11/21/2025 | 11/28/2025 | 11/28/2025 | 11/20/2025 |
| 588 | XX | XX |  | XX | New York | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | XX | Resolved | 3 | R | \* Missing required 1-4 family rider (Lvl R) | Provide a copy of 1-4 family rider, as it is missing.<br>Resolved 10/21/2025 - Received 1-4 family rider, condition resolved. | Resolved 10/21/2025 - Received 1-4 family rider, condition resolved. | Resolved 10/21/2025 - Received 1-4 family rider, condition resolved. |  |  | QC Complete | 10/15/2025 | 10/21/2025 | 10/21/2025 | 10/13/2025 |
| 588 | XX | XX |  | XX | New York | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of the closing protection letter (CPL), as it is missing.<br>Resolved 10/21/2025 - Received Lender response "there is no CPL for the state of NY, they use an attorney who is required to carry E&O and XX coverage", condition resolved. | Resolved 10/21/2025 - Received Lender response "there is no CPL for the state of NY, they use an attorney who is required to carry E&O and XX coverage", condition resolved. | Resolved 10/21/2025 - Received Lender response "there is no CPL for the state of NY, they use an attorney who is required to carry E&O and XX coverage", condition resolved. |  |  | QC Complete | 10/15/2025 | 10/21/2025 | 10/21/2025 | 10/15/2025 |
| 590 | XX | XX |  | XX | Florida | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of Borrower Govt-ID as it is missing<br>Resolved 11/17/2025 - Received GOV ID, condition resolved. | Resolved 11/17/2025 - Received GOV ID, condition resolved. | Resolved 11/17/2025 - Received GOV ID, condition resolved. |  |  | QC Complete | 11/12/2025 | 11/17/2025 | 11/17/2025 | 11/12/2025 |
| 591 | XX | XX |  | XX | Ohio | XX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | XX | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z<br>Higher-Priced Mortgage Loan Test: Charge 7.965% Allowed 7.740% Overby+0.225%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 11/10/2025 | 11/10/2025 | 11/10/2025 | 11/07/2025 |
| 597 | XX | XX |  | XX | Massachusetts | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | XX | Resolved | 3 | R | \* Missing Title evidence (Lvl R) | Missing Title commitment/Preliminary report.<br>Resolved 10/31/2025 - Received title report, condition resolved. | Resolved 10/31/2025 - Received title report, condition resolved. | Resolved 10/31/2025 - Received title report, condition resolved. |  |  | QC Complete | 10/27/2025 | 10/31/2025 | 10/31/2025 | 10/23/2025 |
| 609 | XX | XX |  | XX | Indiana | XX | Purchase | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | XX | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | To allow a non-per resident with a H1B VISA<br>A copy of an exception approval letter is available in the loan file. |  |  | DSCR: 1.50 DSCR exceeds the guideline requirement of 0.50.<br>FICO: 734 FICO exceeds the guideline requirement of 720.<br>Reserves: The 275 months of available reserves are more than the guideline requirement of 6 months. |  | QC Complete | 10/24/2025 |  |  | 10/23/2025 |
| 623 | XX | XX |  | XX | California | XX | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide bank statement #XX for month of August 2025.<br>Resolved 11/03/2025 - Received online bank statement sheet for Aug 2025, condition resolved. | Resolved 11/03/2025 - Received online bank statement sheet for Aug 2025, condition resolved. | Resolved 11/03/2025 - Received online bank statement sheet for Aug 2025, condition resolved. |  |  | QC Complete | 10/27/2025 | 11/03/2025 | 11/03/2025 | 10/23/2025 |
| 623 | XX | XX |  | XX | California | XX | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | XX | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of proposed Lender's coverage on the Title Preliminary Title is less than the loan amount. The supplement report reflects coverage in the amount of $XX, however, the Note reflects a loan amount of $XX<br>Resolved 10/31/2025 - Received final title policy, condition resolved. | Resolved 10/31/2025 - Received final title policy, condition resolved. | Resolved 10/31/2025 - Received final title policy, condition resolved. |  |  | QC Complete | 10/27/2025 | 10/31/2025 | 10/31/2025 | 10/23/2025 |
| 626 | XX | XX |  | XX | California | XX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | A copy of the April 2025 bank statement for account #XX at XXis missing from the loan documentation.<br>Resolved 11/14/2025 - Received April month statement, condition resolved. | Resolved 11/14/2025 - Received April month statement, condition resolved. | Resolved 11/14/2025 - Received April month statement, condition resolved. |  |  | QC Complete | 11/11/2025 | 11/14/2025 | 11/14/2025 | 11/10/2025 |
| 627 | XX | XX |  | XX | California | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide updated supplemental report with amount of title insurance covering the loan amount $XX<br>Resolved 11/28/2025 - Received title insured amount, condition resolved. | Resolved 11/28/2025 - Received title insured amount, condition resolved. | Resolved 11/28/2025 - Received title insured amount, condition resolved. |  |  | QC Complete | 11/10/2025 | 11/28/2025 | 11/28/2025 | 11/06/2025 |
| 629 | XX | XX |  | XX | New Mexico | XX | Purchase | Non-QM/Compliant | 4 | 1 | Credit | Eligibility | XX | Resolved | 4 | R | \* Original LTV (OLTV) does not meet eligibility requirement(s) (Lvl R) | Guidelines permit a maximum LTV of 75% for condotel properties; however, the submitted loan reflects an 80% LTV, which does not meet requirements.<br>Resolved 10/21/2025 - 75% max LTV for a condotel only applies when the loan is a cash out refinance. This loan is a purchase. LOE provided, condition resolved | Resolved 10/21/2025 - 75% max LTV for a condotel only applies when the loan is a cash out refinance. This loan is a purchase. LOE provided, condition resolved | Resolved 10/21/2025 - 75% max LTV for a condotel only applies when the loan is a cash out refinance. This loan is a purchase. LOE provided, condition resolved |  |  | QC Complete | 10/13/2025 | 10/21/2025 | 10/21/2025 | 10/13/2025 |
| 632 | XX | XX |  | XX | New Jersey | XX | Refinance | Non-QM/Compliant | 3 | 1 | Compliance | Doc Issue | XX | Resolved | 3 | R | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl R) | Missing Initial Escrow Account Disclosure.<br>Resolved 11/14/2025: Received Initial Escrow Account Disclosure dated 10/XX/2025 and exception is cleared. | Resolved 11/14/2025: Received Initial Escrow Account Disclosure dated 10/29/2025 and exception is cleared. | Resolved 11/14/2025: Received Initial Escrow Account Disclosure dated 10/29/2025 and exception is cleared. |  |  | QC Complete | 11/12/2025 | 11/14/2025 | 11/14/2025 | 11/12/2025 |
| 633 | XX | XX |  | XX | California | XX | Purchase | Non-QM/Compliant | 2 | 2 | Credit |  | XX | Waived | 2 | W | \* DTI > 50% (Lvl W) | DTI of 54% exceeds max of 50% <br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 734 FICO exceeds the guideline requirement of 640.<br>Residual Income : $10,469.94 monthly<br>|  | QC Complete | 11/12/2025 |  |  | 11/12/2025 |
| 639 | XX | XX |  | XX | California | XX | Purchase | Non-QM/Compliant | 3 | 2 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Amount of title insurance $XX is missing. Provide a copy of supplemental title insurance which covers the loan amount'.<br>Resolved 11/13/2025 - Received title insured amount, condition resolved. | Resolved 11/13/2025 - Received title insured amount, condition resolved. | Resolved 11/13/2025 - Received title insured amount, condition resolved. |  |  | QC Complete | 11/10/2025 | 11/13/2025 | 11/13/2025 | 11/06/2025 |
| 639 | XX | XX |  | XX | California | XX | Purchase | Non-QM/Compliant | 3 | 2 | Credit | Guidelines | XX | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Borrower's DTI (52.959%) exceeding guideline maximum DTI 50% A copy of an exception approval letter is available in the loan file. |  |  | FICO: 703 FICO exceeds the guideline requirement of 700.<br> LTV: 80.00% LTV is less than the guideline requirement of 85.00%. |  | QC Complete | 11/10/2025 |  |  | 11/06/2025 |
| 652 | XX | XX |  | XX | Florida | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Borrower Identity Missing (Lvl R) | Provide a copy of government ID for the borrower (XX).<br>Resolved 10/27/2025- Received Government ID, condition resolved. | Resolved 10/27/2025- Received Government ID, condition resolved. | Resolved 10/27/2025- Received Government ID, condition resolved. |  |  | QC Complete | 10/22/2025 | 10/27/2025 | 10/27/2025 | 10/21/2025 |
| 657 | XX | XX |  | XX | Tennessee | XX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | XX | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | (12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.270% Allowed 7.790% OverBy +0.480%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 01/20/2026 | 01/20/2026 | 01/20/2026 | 11/11/2025 |
| 665 | XX | XX |  | XX | Texas | XX | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | XX | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of title insurance of $XX on the Title Commitment is less than the loan amount $XX<br>Resolved 11/25/2025 - Received title insured amount, condition resolved. | Resolved 11/25/2025 - Received title insured amount, condition resolved. | Resolved 11/25/2025 - Received title insured amount, condition resolved. |  |  | QC Complete | 11/14/2025 | 11/25/2025 | 11/25/2025 | 11/13/2025 |
| 667 | XX | XX |  | XX | Tennessee | XX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | XX | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of title insurance of $XX on the Title Commitment is less than the loan amount $XX<br>Resolved 11/10/2025 - Received title document, condition resolved. | Resolved 11/10/2025 - Received title document, condition resolved. | Resolved 11/10/2025 - Received title document, condition resolved. |  |  | QC Complete | 11/05/2025 | 11/10/2025 | 11/10/2025 | 11/04/2025 |
| 670 | XX | XX |  | XX | Florida | XX | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Doc Issue | XX | Resolved | 3 | R | \* Subject or Comp Photos are missing or illegible (Lvl R) | Photos of rent comparables are missing from the loan package. Please provide images for all rent comparables listed in the appraisal.<br>Resolved 10/17/2025 - Received Appraisal Report with rental comparable, Condition Resolved. | Resolved 10/17/2025 - Received Appraisal Report with rental comparable, Condition Resolved. | Resolved 10/17/2025 - Received Appraisal Report with rental comparable, Condition Resolved. |  |  | QC Complete | 10/13/2025 | 10/17/2025 | 10/17/2025 | 10/13/2025 |
| 674 | XX | XX |  | XX | Washington | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of Lease agreement for the Subject Property - XX<br>Resolved 10/28/2025 - Received DSCR calculator with comments stating " Property units are vacant & Lease amount $800 is considered as per lender requirement, condition resolved. | Resolved 10/28/2025 - Received DSCR calculator with comments stating " Property units are vacant & Lease amount $800 is considered as per lender requirement, condition resolved. | Resolved 10/28/2025 - Received DSCR calculator with comments stating " Property units are vacant & Lease amount $800 is considered as per lender requirement, condition resolved. |  |  | QC Complete | 10/15/2025 | 10/28/2025 | 10/28/2025 | 10/10/2025 |
| 676 | XX | XX |  | XX | Texas | XX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | XX | Resolved | 3 | R | \* ComplianceEase TRID Tolerance Test Failed (Lvl R) | TRID violation due to Appraisal Re-Inspection fee added on Final CD dated 11/XX/2025. Initial LE dated 10/06/2025 reflectsAppraisal Re-Inspection fee as $0.00 however, Final CD dated 11/XX/2025 reflects the Appraisal Re-Inspection fee as $200.00, Require PCCD/COC to cure the tolerance violation of $200.00.<br>Resolved 12/03/2025: Received change of circumstance dated 10/17/2025 and exception is cleared. | Resolved 12/03/2025: Received change of circumstance dated 10/XX/2025 and exception is cleared. | Resolved 12/03/2025: Received change of circumstance dated 10/XX/2025 and exception is cleared. |  |  | QC Complete | 11/26/2025 | 12/03/2025 | 12/03/2025 | 11/26/2025 |
| 676 | XX | XX |  | XX | Texas | XX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | XX | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.380% Allowed 7.670% Overby +0.710%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 11/26/2025 | 11/26/2025 | 11/26/2025 | 11/26/2025 |
| 678 | XX | XX |  | XX | New York | XX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of the closing protection letter (CPL), as it is missing.<br>Resolved 10/21/2025 - Received Lender response "there is no CPL for the state of NY, they use an attorney who is required to carry E&O and XX coverage", condition resolved. | Resolved 10/21/2025 - Received Lender response "there is no CPL for the state of NY, they use an attorney who is required to carry E&O and XX coverage", condition resolved. | Resolved 10/21/2025 - Received Lender response "there is no CPL for the state of NY, they use an attorney who is required to carry E&O and XX coverage", condition resolved. |  |  | QC Complete | 10/13/2025 | 10/21/2025 | 10/21/2025 | 10/13/2025 |
| 682 | XX | XX |  | XX | Pennsylvania | XX | Purchase | Non-QM/Compliant | 3 | 2 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a clear copy of borrower ID.<br>Resolved 11/20/2025 - Received GOV ID, condition resolved. | Resolved 11/20/2025 - Received GOV ID, condition resolved. | Resolved 11/20/2025 - Received GOV ID, condition resolved. |  |  | QC Complete | 01/15/2026 | 01/15/2026 | 01/15/2026 | 11/11/2025 |
| 682 | XX | XX |  | XX | Pennsylvania | XX | Purchase | Non-QM/Compliant | 3 | 2 | Credit | Guidelines | XX | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Exception for Log home property.<br>A copy of an exception approval letter is available in the loan file. |  |  | LTV: 39.98% LTV is less than the guideline requirement of 85.00%.<br>DTI: 31.58% DTI is less than the maximum guideline requirement of 50.00%.<br>FICO: 769 FICO exceeds the guideline requirement of 700. |  | QC Complete | 01/15/2026 |  |  | 11/11/2025 |
| 683 | XX | XX |  | XX | Pennsylvania | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Valuation | Doc Issue | XX | Resolved | 3 | R | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl R) | provide a copy of the 1004D completion report or the updated appraisal report, along with photos documenting the hole in the wall leading to the neighboring unit, mold damage, and the ceiling crack on the third floor.<br>Resolved 10/17/2025 - Received LOE document and invoice for repairs is also attached, condition resolved. | Resolved 10/17/2025 - Received LOE document and invoice for repairs is also attached, condition resolved. | Resolved 10/17/2025 - Received LOE document and invoice for repairs is also attached, condition resolved. |  |  | QC Complete | 10/08/2025 | 10/17/2025 | 10/17/2025 | 10/08/2025 |
| 684 | XX | XX |  | XX | Florida | XX | Purchase | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | XX | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Exclude joint personal account holder (XX) requirement to be added as coborrower on mortgage loan.<br>A copy of an exception approval letter is available in the loan file. |  |  | LTV: 80.00% LTV is less than the guideline requirement of 90.00%.<br>FICO: 740 FICO exceeds the guideline requirement of 720.<br>DTI: 25.67% DTI is less than the maximum guideline requirement of 50.00%.<br>|  | QC Complete | 12/09/2025 |  |  | 12/08/2025 |
| 688 | XX | XX |  | XX | Washington | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Missing the 2025 YTD pay stub and W-2s for 2024 and 2023 for income verification.<br>Resolved 12/08/2025 - Received LOX as the VVOE and satisfy the income documentation, condition resolved. | Resolved 12/08/2025 - Received LOX as the VVOE and satisfy the income documentation, condition resolved. | Resolved 12/08/2025 - Received LOX as the VVOE and satisfy the income documentation, condition resolved. |  |  | QC Complete | 11/14/2025 | 12/08/2025 | 12/08/2025 | 11/13/2025 |
| 695 | XX | XX |  | XX | Indiana | XX | Purchase | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | XX | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | To allow a non-per resident with a H1B VISA.<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 734 FICO exceeds the guideline requirement of 720.<br>LTV: 78.13% LTV is less than the guideline requirement of 85.00%.<br>Reserves: The 303 months of available reserves are more than the guideline requirement of 6 months. |  | QC Complete | 10/24/2025 |  |  | 10/23/2025 |
| 697 | XX | XX |  | XX | Florida | XX | Purchase | Non-QM/Compliant | 4 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a updated copy of the Appraisal Report and CDA Report reflecting the correct loan number.<br>Resolved 11/18/2025 - Received CDA with correct loan number, condition resolved. | Resolved 11/18/2025 - Received CDA with correct loan number, condition resolved. | Resolved 11/18/2025 - Received CDA with correct loan number, condition resolved. |  |  | QC Complete | 11/11/2025 | 11/18/2025 | 11/18/2025 | 11/10/2025 |
| 697 | XX | XX |  | XX | Florida | XX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | XX | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charge 8.658% Allowed 7.810% Overby+0.848%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 11/11/2025 | 11/11/2025 | 11/11/2025 | 11/10/2025 |
| 697 | XX | XX |  | XX | Florida | XX | Purchase | Non-QM/Compliant | 4 | 1 | Credit | Guidelines | XX | Resolved | 4 | R | \* Loan does not conform to program guidelines (Lvl R) | Loan files does not meet guidelines requirement. As per guidelines "XX Product Summary: Retail, JV, DTC, WHL Bank Statement, 1099 and P&L Program" one (1) trade line reporting for a minimum of twenty-four (24) months from the application date. However, the credit report in this file does not reflect any tradeline meeting the required 24-month reporting period.<br>Resolved 11/19/2025 - Received VOR for rental properties and covering the 24 months trade line requirement, condition resolved. | Resolved 11/19/2025 - Received VOR for rental properties and covering the 24 months trade line requirement, condition resolved. | Resolved 11/19/2025 - Received VOR for rental properties and covering the 24 months trade line requirement, condition resolved. |  |  | QC Complete | 11/11/2025 | 11/19/2025 | 11/19/2025 | 11/10/2025 |
| 697 | XX | XX |  | XX | Florida | XX | Purchase | Non-QM/Compliant | 4 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Gift source is missing in the file (require donor statement or wiring details, and borrower statement where gift fund was received).<br>Resolved 11/18/2025 - Received Gift wire, condition resolved. | Resolved 11/18/2025 - Received Gift wire, condition resolved. | Resolved 11/18/2025 - Received Gift wire, condition resolved. |  |  | QC Complete | 11/11/2025 | 11/18/2025 | 11/18/2025 | 11/10/2025 |
| 699 | XX | XX |  | XX | Florida | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Correction required in REO section of (XX) Occupancy as Investment or Second Home. Provide a updated copy of Final 1003.<br>Resolved 11/05/2025 - Received corrected 1003, condition resolved. | Resolved 11/05/2025 - Received corrected 1003, condition resolved. | Resolved 11/05/2025 - Received corrected 1003, condition resolved. |  |  | QC Complete | 10/29/2025 | 11/05/2025 | 11/05/2025 | 10/28/2025 |
| 708 | XX | XX |  | XX | California | XX | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | XX | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of proposed Lender's coverage on the Title Preliminary Title is less than the loan amount. The supplementary report reflects coverage in the amount of $XX, however, the Note reflects a loan amount of $XX.<br>Resolved 11/03/2025 - Received final title policy, condition resolved. | Resolved 11/03/2025 - Received final title policy, condition resolved. | Resolved 11/03/2025 - Received final title policy, condition resolved. |  |  | QC Complete | 10/27/2025 | 11/03/2025 | 11/03/2025 | 10/23/2025 |
| 712 | XX | XX |  | XX | Pennsylvania | XX | Purchase | Non-QM/Compliant | 4 | 2 | Credit | Guidelines | XX | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Non-arms length transaction; borrower purchasing from current landlord. currently have 12 months bank statements (Aug 24 through Sept 25) \*\*pending Oct 25 payment to have fully 12 months.<br>A copy of an exception approval letter is available in the loan file. |  |  | LTV: 80.00% LTV is less than the guideline requirement of 85.00%.<br>DTI: 11.70% DTI is less than the maximum guideline requirement of 50.00%. |  | QC Complete | 01/15/2026 |  |  | 10/24/2025 |
| 712 | XX | XX |  | XX | Pennsylvania | XX | Purchase | Non-QM/Compliant | 4 | 2 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide sufficient assets to cover the three-month reserve requirement. Cash from borrower: $61,916.92; Reserves: $7,742.71; Total verified assets: $69,482.12; Asset shortfall: ($69,482.12 - $69,659.35) = -$177.23.<br>Resolved 11/10/2025 - Received Asset LOX and the requirements are sufficient, condition resolved. | Resolved 11/10/2025 - Received Asset LOX and the requirements are sufficient, condition resolved. | Resolved 11/10/2025 - Received Asset LOX and the requirements are sufficient, condition resolved. |  |  | QC Complete | 01/15/2026 | 01/15/2026 | 01/15/2026 | 10/24/2025 |
| 712 | XX | XX |  | XX | Pennsylvania | XX | Purchase | Non-QM/Compliant | 4 | 2 | Compliance | Compliance | XX | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 9.602% Allowed 8.040% Overby +1.562%.<br>This loan is compliant with regulation 1026.35 | This loan is compliant with regulation 1026.35 | This loan is compliant with regulation 1026.35 |  |  | QC Complete | 01/15/2026 | 01/15/2026 | 01/15/2026 | 10/24/2025 |
| 714 | XX | XX |  | XX | Alaska | XX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide 24 Months Business bank statements of XX for the month of 08/01/2023 to 07/31/2025 as it is missing in the file.<br>10/17/2025 Not resolved - Received bank statement for XX with account # XX does not match with the Bank statement (XX) used for calculating income in the second bank statement worksheet.<br>11/04/2025 - Borrower is qualified with two set of 24 months Business bank statement with total income of $45,035.00. Two accounts were used (XX with income of $24,744.74 & XX with income of $20,290.54). Bank statements received in the loan file are for XX, We are still missing additional 24 months business bank statement for XX0 to verify income of $24,744.74.<br>11/19/2025 Resolved - The copy of 24 month bank statement for # XX resolves the condition. | 11/19/2025 Resolved - The copy of 24 month bank statement for # XX resolves the condition. | 11/19/2025 Resolved - The copy of 24 month bank statement for # XX resolves the condition. |  |  | QC Complete | 09/25/2025 | 11/19/2025 | 11/19/2025 | 09/24/2025 |
| 714 | XX | XX |  | XX | Alaska | XX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Assets | XX | Resolved | 3 | R | \* Assets Verification (Lvl R) | Provide Business bank statements of XX with ending balance $6282.73 for verifying the assets.<br>Resolved 10/06/2025 - Received bank statement for account #XX0, condition resolved. | Resolved 10/06/2025 - Received bank statement for account #XX, condition resolved. | Resolved 10/06/2025 - Received bank statement for account #XX, condition resolved. |  |  | QC Complete | 09/25/2025 | 10/06/2025 | 10/06/2025 | 09/24/2025 |
| 717 | XX | XX |  | XX | Virginia | XX | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Missing Form 1007.<br>Resolved 10/20/2025 : Received form 1007 for subject property, condition resolved. | Resolved 10/20/2025 : Received form 1007 for subject property, condition resolved. | Resolved 10/20/2025 : Received form 1007 for subject property, condition resolved. |  |  | QC Complete | 10/14/2025 | 10/20/2025 | 10/20/2025 | 10/14/2025 |
| 717 | XX | XX |  | XX | Virginia | XX | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide master insurance policy, as it is missing. Property type is condominium.<br>Resolved 10/24/2025 - Received Lender response, Project is detached and borrower has H03 insurance policy, condition resolved | Resolved 10/24/2025 - Received Lender response, Project is detached and borrower has H03 insurance policy, condition resolved | Resolved 10/24/2025 - Received Lender response, Project is detached and borrower has H03 insurance policy, condition resolved |  |  | QC Complete | 10/14/2025 | 10/24/2025 | 10/24/2025 | 10/14/2025 |
| 718 | XX | XX |  | XX | Washington | XX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | XX | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z<br>Higher-Priced Mortgage Loan Test: Charged 8.020% Allowed 7.740% Overby+0.280%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 11/11/2025 | 11/11/2025 | 11/11/2025 | 11/11/2025 |
| 735 | XX | XX |  | XX | Colorado | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | The lease agreement provided for the subject property expired on 08/XX/2025. Please submit an updated lease agreement reflecting the new expiration date.<br>Resolved 10/27/2025- Received Current Lease transaction, condition resolved. | Resolved 10/27/2025- Received Current Lease transaction, condition resolved. | Resolved 10/27/2025- Received Current Lease transaction, condition resolved. |  |  | QC Complete | 10/22/2025 | 10/27/2025 | 10/27/2025 | 10/21/2025 |
| 735 | XX | XX |  | XX | Colorado | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Borrower Identity Missing (Lvl R) | Provide a clear and readable copy of the borrower's (XX) driver's license.<br>Resolved 11/04/2025 - Received GOV ID, condition resolved. | Resolved 11/04/2025 - Received GOV ID, condition resolved. | Resolved 11/04/2025 - Received GOV ID, condition resolved. |  |  | QC Complete | 10/22/2025 | 11/04/2025 | 11/04/2025 | 10/21/2025 |
| 740 | XX | XX |  | XX | Nevada | XX | Refinance | Non-QM/Compliant | 3 | 2 | Compliance | Compliance | XX | Resolved | 3 | R | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl R) | Missing Initial Closing Disclosure.<br>Resolved 12/02/2025: Received Initial Closing Disclosure dated 10/XX/2025 and exception is cleared. | Resolved 12/02/2025: Received Initial Closing Disclosure dated 10/XX/2025 and exception is cleared. | Resolved 12/02/2025: Received Initial Closing Disclosure dated 10/XX/2025 and exception is cleared. |  |  | QC Complete | 11/25/2025 | 12/02/2025 | 12/02/2025 | 11/25/2025 |
| 740 | XX | XX |  | XX | Nevada | XX | Refinance | Non-QM/Compliant | 3 | 2 | Credit | Guidelines | XX | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Total exposure is $XX, exceeding the allowed limit of $XX.<br>A copy of an exception approval letter is available in the loan file. |  |  | Reserves: The 56 months of available reserves are more than the guideline requirement of 13 months.<br>LTV: 60.76% LTV is less than the guideline requirement of 85.00%.<br>DTI: 15.82% DTI is less than the maximum guideline requirement of 50.00%. |  | QC Complete | 11/25/2025 |  |  | 11/21/2025 |
| 751 | XX | XX |  | XX | Indiana | XX | Purchase | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | XX | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | To allow a non-per resident with a H1B VISA.<br>A copy of an exception approval letter is available in the loan file. |  |  | LTV: 80.00% LTV is less than the guideline requirement of 85.00%.<br>DSCR: 1.83 DSCR exceeds the guideline requirement of 0.50.<br>FICO: 734 FICO exceeds the guideline requirement of 720. |  | QC Complete | 10/24/2025 |  |  | 10/23/2025 |
| 752 | XX | XX |  | XX | Oregon | XX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | XX | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.548% Allowed 7.720% Overby +0.828%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 10/15/2025 | 10/15/2025 | 10/15/2025 | 10/14/2025 |
| 752 | XX | XX |  | XX | Oregon | XX | Purchase | Non-QM/Compliant | 4 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Rental Comparables are missing in provided appraisal report, provide an updated appraisal report.<br>10/27/2025 Resolved: Resolved as rental comparables is not required as the loan is owner occupied. | 10/27/2025 Resolved: Resolved as rental comparables is not required as the loan is owner occupied. | 10/27/2025 Resolved: Resolved as rental comparables is not required as the loan is owner occupied. |  |  | QC Complete | 10/15/2025 | 10/27/2025 | 10/27/2025 | 10/14/2025 |
| 757 | XX | XX |  | XX | New Jersey | XX | Purchase | Non-QM/Compliant | 4 | 2 | Credit | Guidelines | XX | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | FTHB living rent free for more than 12 months<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 744 FICO exceeds the guideline requirement of 700.<br>DTI: 26.86% DTI is less than the maximum guideline requirement of 50.00%. |  | QC Complete | 11/25/2025 |  |  | 11/20/2025 |
| 757 | XX | XX |  | XX | New Jersey | XX | Purchase | Non-QM/Compliant | 4 | 2 | Compliance | Compliance | XX | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 7.831% Allowed 7.740% Overby +0.091%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 11/25/2025 | 11/25/2025 | 11/25/2025 | 11/25/2025 |
| 758 | XX | XX |  | XX | California | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Missing proof of B2 Income from the employer EV Connect.<br>Resolved 10/21/2025 - Received WVOE for B2, condition resolved | Resolved 10/21/2025 - Received WVOE for B2, condition resolved | Resolved 10/21/2025 - Received WVOE for B2, condition resolved |  |  | QC Complete | 10/16/2025 | 10/21/2025 | 10/21/2025 | 10/16/2025 |
| 761 | XX | XX |  | XX | Massachusetts | XX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | XX | Resolved | 4 | R | \* State Higher Price Mortgage Loan (Lvl R) | MA 209 CMR 32.35 Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of Massachusetts Regulations.<br>MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test: Charged 8.583% Allowed 7.740% Overby +0.843%<br>This loan is compliant with regulation MA 209 CMR 32.35. | This loan is compliant with regulation MA 209 CMR 32.35. | This loan is compliant with regulation MA 209 CMR 32.35. |  |  | QC Complete | 11/20/2025 | 11/20/2025 | 11/20/2025 | 11/20/2025 |
| 761 | XX | XX |  | XX | Massachusetts | XX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | XX | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.583% Allowed 7.740% Overby +0.843%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 11/20/2025 | 11/20/2025 | 11/20/2025 | 11/19/2025 |
| 762 | XX | XX |  | XX | Florida | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide an updated HOI document for subject property with mortgagee reflecting the lender name (XX).<br>Resolved 11/19/2025 - Received insurance document with clause, condition resolved. | Resolved 11/19/2025 - Received insurance document with clause, condition resolved. | Resolved 11/19/2025 - Received insurance document with clause, condition resolved. |  |  | QC Complete | 11/13/2025 | 11/19/2025 | 11/19/2025 | 11/13/2025 |
| 762 | XX | XX |  | XX | Florida | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a supporting document for payoff of XX $3125.36 (XX).<br>Resolved 11/19/2025 - Received LOX as this REO is considered as the business claimed mortgage payoff, condition resolved. | Resolved 11/19/2025 - Received LOX as this REO is considered as the business claimed mortgage payoff, condition resolved. | Resolved 11/19/2025 - Received LOX as this REO is considered as the business claimed mortgage payoff, condition resolved. |  |  | QC Complete | 11/13/2025 | 11/19/2025 | 11/19/2025 | 11/13/2025 |
| 765 | XX | XX |  | XX | Washington | XX | Purchase | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | XX | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Housing Payment History. FTHB living rent free.<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 793 FICO exceeds the guideline requirement of 640.<br>LTV: 77.09% LTV is less than the guideline requirement of 80.00%.<br>DTI: 44.22% DTI is less than the maximum guideline requirement of 50.00%. |  | QC Complete | 12/05/2025 |  |  | 12/04/2025 |
| 772 | XX | XX |  | XX | Utah | XX | Purchase | Non-QM/Compliant | 3 | 2 | Credit | Guidelines | XX | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Appraisal-Condo Less than 500 SF<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 756 FICO exceeds the guideline requirement of 700.<br>LTV: 80.00% LTV is less than the guideline requirement of 85.00%.<br>Reserves: The 7 months of available reserves are more than the guideline requirement of 3 months. |  | QC Complete | 10/24/2025 |  |  | 10/23/2025 |
| 772 | XX | XX |  | XX | Utah | XX | Purchase | Non-QM/Compliant | 3 | 2 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide hazard insurance effective until 10/XX/2025.<br>Resolved 11/25/2025 - Received insurance effective date covered disbursement date, condition resolved. | Resolved 11/25/2025 - Received insurance effective date covered disbursement date, condition resolved. | Resolved 11/25/2025 - Received insurance effective date covered disbursement date, condition resolved. |  |  | QC Complete | 10/24/2025 | 11/25/2025 | 11/25/2025 | 10/24/2025 |
| 774 | XX | XX |  | XX | Tennessee | XX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Title report missing lender loss payee verbiage "ISAOA/ATIMA" for the mortgagee.<br>Resolved 11/12/2025 - Received title report with ISAOA, condition resolved. | Resolved 11/12/2025 - Received title report with ISAOA, condition resolved. | Resolved 11/12/2025 - Received title report with ISAOA, condition resolved. |  |  | QC Complete | 11/05/2025 | 11/12/2025 | 11/12/2025 | 11/04/2025 |
| 782 | XX | XX |  | XX | Pennsylvania | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of the HOA fee statement showing the amount of $50.00 for the subject property located at XX.<br>Resolved 11/19/2025 - Received 1008 with updated HOA fee, condition resolved. | Resolved 11/19/2025 - Received 1008 with updated HOA fee, condition resolved. | Resolved 11/19/2025 - Received 1008 with updated HOA fee, condition resolved. |  |  | QC Complete | 11/12/2025 | 11/19/2025 | 11/19/2025 | 11/12/2025 |
| 783 | XX | XX |  | XX | California | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit |  | XX | Resolved | 3 | R | \* Hazard Insurance Monthly Amount Incorrect. (Lvl R) | Missing invoice for hazard insurance premium.<br>Resolved 11/04/2025 - Received HOI Invoice, condition resolved. | Resolved 11/04/2025 - Received HOI Invoice, condition resolved. | Resolved 11/04/2025 - Received HOI Invoice, condition resolved. |  |  | QC Complete | 10/29/2025 | 11/04/2025 | 11/04/2025 | 10/28/2025 |
| 785 | XX | XX |  | XX | New York | XX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | XX | Resolved | 3 | R | \* Missing Title evidence (Lvl R) | Missing Title Commitment/Preliminary report.<br>11/13/2025 Resolved: Resolved as this is co-op and there wouldn't be a title. | 11/13/2025 Resolved: Resolved as this is co-op and there wouldn't be a title. | 11/13/2025 Resolved: Resolved as this is co-op and there wouldn't be a title. |  |  | QC Complete | 11/12/2025 | 11/13/2025 | 11/13/2025 | 11/07/2025 |
| 795 | XX | XX |  | XX | Florida | XX | Purchase | Non-QM/Compliant | 4 | 2 | Credit | Guidelines | XX | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Exception for FTHB living rent free since 01/01/2024.<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 663 FICO exceeds the guideline requirement of 640.<br>Residual Income : $10,407.50 monthly <br>DTI: 30.68% DTI is less than the maximum guideline requirement of 50.00%. |  | QC Complete | 11/14/2025 |  |  | 11/13/2025 |
| 795 | XX | XX |  | XX | Florida | XX | Purchase | Non-QM/Compliant | 4 | 2 | Compliance | Compliance | XX | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z<br>Higher-Priced Mortgage Loan Test: Charged 7.754% Allowed 7.740% Overby +0.014%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 11/14/2025 | 11/14/2025 | 11/14/2025 | 11/14/2025 |
| 800 | XX | XX |  | XX | New York | XX | Purchase | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | XX | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | EAD/Visa/Green Card - Requesting exception to proceed wiht C10 EAD satus which does not appear on the list of eligible or ineligible visa types.<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 772 FICO exceeds the guideline requirement of 640.<br>DTI: 24.797% DTI is less than the maximum guideline requirement of 50.00%.<br>|  | QC Complete | 01/15/2026 |  |  | 12/09/2025 |
| 802 | XX | XX |  | XX | California | XX | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | XX | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of title insurance $XX does not cover the loan amount $XX. Provide a copy of the updated title supplement report to cover the loan amount.<br>Resolved 12/01/2025 - Received title policy, condition resolved. | Resolved 12/01/2025 - Received title policy, condition resolved. | Resolved 12/01/2025 - Received title policy, condition resolved. |  |  | QC Complete | 11/24/2025 | 12/01/2025 | 12/01/2025 | 11/20/2025 |
| 823 | XX | XX |  | XX | New Jersey | XX | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Doc Issue | XX | Resolved | 3 | R | \* Subject or Comp Photos are missing or illegible (Lvl R) | The rent comparable photos are missing from the loan package. Please provide photos for all rent comparables listed in the appraisal report.<br>Resolved 10/17/2025 - Received Appraisal Report with rental comparable, Condition Resolved. | Resolved 10/17/2025 - Received Appraisal Report with rental comparable, Condition Resolved. | Resolved 10/17/2025 - Received Appraisal Report with rental comparable, Condition Resolved. |  |  | QC Complete | 10/14/2025 | 10/17/2025 | 10/17/2025 | 10/14/2025 |
| 825 | XX | XX |  | XX | Texas | XX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | XX | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide copy of wire receipt showing gift funds in the amount of $XX from XX from XX account #XX<br>Resolved 10/31/2025 - Received wire for gift amount, condition resolved. | Resolved 10/31/2025 - Received wire for gift amount, condition resolved. | Resolved 10/31/2025 - Received wire for gift amount, condition resolved. |  |  | QC Complete | 10/27/2025 | 10/31/2025 | 10/31/2025 | 10/24/2025 |

---

## Exhibit 99.2

**Exhibit 99.2**

![](ex99-2_001.jpg)

**EXECUTIVE SUMMARY**

**NRMLT 2026-NQM2**

**By Clarifii LLC on January 16, 2026**

NRMLT 2026-NQM2 Due Diligence Narrative Report – PagE \| 1

**CLARIFII CONTACT INFORMATION** 

---

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

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 1 Loan (the "Loans") originated by a correspondent lender and acquired by Rithm Capital, LLC. (the "Clients") for the NRMLT 2026-NQM2 transaction. The loan referenced in this narrative report was reviewed between 09/2025 and 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 Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$328800.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$328800.00** |

---

The Review consisted of a population of 1 Loan, with an aggregate principal balance of $328,800.00.

**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.

NRMLT 2026-NQM2 Due Diligence Narrative Report – PagE \| 2

![](ex99-2_001.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;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;U.S. RMBS Rating Methodology, December 7, 2023 |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;U.S. RMBS Rating Criteria, October 1, 2025 |

---

**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 Fields** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 FTHB |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Seller Loan ID |
| &nbsp;&nbsp;Term |
| &nbsp;&nbsp;Underwriting Guideline Name |

---

NRMLT 2026-NQM2 Due Diligence Narrative Report – PagE \| 3

**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:

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

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

- Assets and Reserves

- Gross Income

- Lien Position

- Loan Purpose

- Housing History

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

- Monthly Debt

- Occupancy

- Property Type

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

- Debt to Income Ratio (DTI)

- Residual Income

- Debt Service Coverage Ratio (DSCR)

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

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

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

- Borrower(s) employment history

- Citizenship and eligibility

- First time home buyer status

- The application was signed by all borrowers

- The application was substantially complete

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

Clarifii verified the following items:

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

- Bankruptcy and foreclosure seasoning

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

- Installment and revolving payment history

- Mortgage/Rental payment history

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

- Number of tradelines

- Credit Score(s) and Qualifying Score Methodology

NRMLT 2026-NQM2 Due Diligence Narrative Report – PagE \| 4

![](ex99-2_001.jpg)

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

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

- Tax returns

- Financial statements

Paystubs

- IRS Form W-2s

- IRS Form 1099

- IRS documents

- Bank statements

- Lease agreements

- Award letters

- Other documentation in Loan file

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

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

- Borrower identity

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

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

- Occupancy

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

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

- Employment

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

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

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

OFAC

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

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

- Verification of deposits (VOD)

- Depository account statements

- Stock or security account statements

- Gift funds

- Settlements statements

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

- Other documentation in Loan file

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

NRMLT 2026-NQM2 Due Diligence Narrative Report – PagE \| 5

![](ex99-2_001.jpg)

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

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

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

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

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

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

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

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

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

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

- Calculated DSCR, as required by guidelines

- Confirmed documentation requirements have been met

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

**DOCUMENT REVIEW**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Note** 

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

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

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

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

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

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

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

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

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

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

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

NRMLT 2026-NQM2 Due Diligence Narrative Report – PagE \| 6

![](ex99-2_001.jpg)

**COMPLIANCE REVIEW**

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

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

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

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

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

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

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

- Initial and final application (1003)

- Note, including all addendums

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

- Mortgage / Deed of Trust, including all riders

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

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

- Notice of Right to Cancel (when applicable)

- Rate Lock Date

- HOEPA Disclosures (when applicable)

- Initial Escrow Account Disclosure

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

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

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

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

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

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

NRMLT 2026-NQM2 Due Diligence Narrative Report – PagE \| 7

![](ex99-2_001.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.

NRMLT 2026-NQM2 Due Diligence Narrative Report – PagE \| 8

![](ex99-2_001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

- 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).

NRMLT 2026-NQM2 Due Diligence Narrative Report – PagE \| 9

![](ex99-2_001.jpg)

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

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

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

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

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

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

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

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

- 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.

NRMLT 2026-NQM2 Due Diligence Narrative Report – PagE \| 10

![](ex99-2_001.jpg)

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

- Non-Owner Occupied Declaration Disclosure

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

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

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

- Review Note accuracy and properly executed

- Review Mortgage and applicable riders for accuracy and properly executed

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

- 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.

NRMLT 2026-NQM2 Due Diligence Narrative Report – PagE \| 11

**ABILITY TO REPAY (ATR)**

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

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

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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **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:**

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

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

NRMLT 2026-NQM2 Due Diligence Narrative Report – PagE \| 12

![](ex99-2_001.jpg)

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· 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 –<br> No Hit** | &nbsp;&nbsp;**# of Files > -10%<br> Variance to OA or<br> Confidence < 80%** | &nbsp;&nbsp;**Number of Files<br> within -10% of OA or<br> Acceptable UCDP Risk <br> Score** |
| &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;CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &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;0 |
| &nbsp;&nbsp;Other | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

**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.

**Final Event Grade**

---

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

---

NRMLT 2026-NQM2 Due Diligence Narrative Report – PagE \| 13

**Credit Event Grade**

---

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

---

**Valuation Event Grade**

---

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

---

NRMLT 2026-NQM2 Due Diligence Narrative Report – PagE \| 14

![](ex99-2_001.jpg)

**Compliance Event Grade** 

---

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

---

**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;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &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;1 | &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;1 | &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;1 | &nbsp;&nbsp;100.00% |

---

NRMLT 2026-NQM2 Due Diligence Narrative Report – PagE \| 15

**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;1 | &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;1 | &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;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &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;1 | &nbsp;&nbsp;100.00% |

---

**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$328800.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$328800.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$328800.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$328800.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$328800.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$328800.00** |

---

NRMLT 2026-NQM2 Due Diligence Narrative Report – PagE \| 16

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$328800.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$328800.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$328800.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$328800.00** |

---

**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 Fields** | &nbsp;&nbsp;**Loans With<br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &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;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &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;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Zip Code | &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 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;Seller Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Underwriting Guideline Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |

---

NRMLT 2026-NQM2 Due Diligence Narrative Report – PagE \| 17

![](ex99-2_001.jpg)

**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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Supplement Data Extract

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

 

*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.*© 2026 Clarifii LLC. All rights reserved.

NRMLT 2026-NQM2 Due Diligence Narrative Report – PagE \| 18

## Exhibit 99.2

**Exhibit 99.2 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 839 | XX | XX | XX | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 2**

---

| | | | | |
|:---|:---|:---|:---|:---|
| Marketing ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 839 | XX | XX | XX | XX C D A B |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **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** |
| 839 | XX | XX | XX D B C A | Closed | FCRE1115 | 2025-09-23 13:50 | 2025-10-10 14:14 | Resolved | 1 - Information C A | Credit | Closing | Security Instrument Date is greater than current date | Resolved-Received corrected Notary Date acknowledged by the Notary. - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Document Uploaded. Please see attached the corrected note and DOT . - Seller-10/08/2025 <br> Open-Security Instrument Date is greater than the transaction date of 05-xx-2025 Notary dated 5/xx/2025, CD/Note/Security Instrument indicates closing date of 9/10/2025. - Due Diligence Vendor-09/23/2025 | Ready for Review-Document Uploaded. Please see attached the corrected note and DOT . - Seller-10/08/2025<br>| Resolved-Received corrected Notary Date acknowledged by the Notary. - Due Diligence Vendor-10/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying Fico Score 746, guidelines require 700.<br>Months Reserves exceed minimum required - Qualifying reserves 11 months, guidelines require 2 months |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | VA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XX |
| 839 | XX | XX | XX D B C A | Closed | FPRO1253 | 2025-09-24 10:58 | 2025-09-26 15:57 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received secondary valuation. - Due Diligence Vendor-09/26/2025 <br>Ready for Review-Document Uploaded. - Seller-09/25/2025 <br>Open-Missing the appraisdal review document required per guidelines. - Due Diligence Vendor-09/24/2025 | Ready for Review-Document Uploaded. - Seller-09/25/2025<br>| Resolved-Received secondary valuation. - Due Diligence Vendor-09/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying Fico Score 746, guidelines require 700.<br>Months Reserves exceed minimum required - Qualifying reserves 11 months, guidelines require 2 months |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | VA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XX |
| 839 | XX | XX | XX D B C A | Closed | FPRO1242 | 2025-09-24 08:59 | 2025-09-26 15:56 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received appraisal. - Due Diligence Vendor-09/26/2025 <br>Ready for Review-Document Uploaded. - Seller-09/25/2025 <br>Open-Appraisal is Missing Missing the required appraisal. - Due Diligence Vendor-09/24/2025 | Ready for Review-Document Uploaded. - Seller-09/25/2025<br>| Resolved-Received appraisal. - Due Diligence Vendor-09/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying Fico Score 746, guidelines require 700.<br>Months Reserves exceed minimum required - Qualifying reserves 11 months, guidelines require 2 months |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | VA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XX |
| 839 | XX | XX | XX D B C A | Closed | finding-3634 | 2025-09-23 13:31 | 2025-09-26 07:18 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Document Uploaded. - Seller-09/25/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Zero (0%) tolerance fees increased by $123.60 (CDA Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $123.60, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years, Expiration date: 9/XX/2028. [Please provide evidence that Lender assumed responsibility for this fee prior to close]<br> - Due Diligence Vendor-09/23/2025 | Ready for Review-Document Uploaded. - Seller-09/25/2025<br>| Resolved-Upon further review, finding resolved. - Due Diligence Vendor-09/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying Fico Score 746, guidelines require 700.<br>Months Reserves exceed minimum required - Qualifying reserves 11 months, guidelines require 2 months |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | VA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XX |
| 839 | XX | XX | XX D B C A | Closed | FCOM1124 | 2025-09-23 11:46 | 2025-09-23 12:22 | Waived | 2 - Non-Material B | Compliance | Data | Borrower 1 Final Signature Date is in the future | Waived-Borrower 1 Final Signature Date is greater than the transaction date of 05-XX-2025 -----Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-09/23/2025 |  | Waived-Borrower 1 Final Signature Date is greater than the transaction date of 05-XX-2025 -----Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-09/23/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying Fico Score 746, guidelines require 700.<br>Months Reserves exceed minimum required - Qualifying reserves 11 months, guidelines require 2 months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XX | VA | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | XX |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 839 | XX | XX | XX | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 12085 | 7.908 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 7555.46 | N/A | Employed |  | No |  | No |  |

---

## Exhibit 99.3

**Exhibit 99.3**

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

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on behalf of its client, Rithm Capital. The review included a total of 54 newly originated residential mortgage loans acquired through a bulk purchase, in connection with the securitization identified as NRMLT 2026-NQM2 (the "Securitization"). The Review was conducted from August 2025 through January 2026 on mortgage loans originated between July 2025 and November 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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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 (54 loans in total):

One (1) loan had a Secondary Appraisal, eleven (11) loans had an AVM, two (2) loans had a Field Review, and thirty-four (34) loans had Desktop Reviews. Consolidated Analytics has independent access to the Desktop Reviews ordered by the Aggregator.

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

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

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

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the fifty-four (54) mortgage loans reviewed, fifty-two (52) unique mortgage loans (96.30% by loan count) had a total of two hundred and twenty-nine (229) discrepancies across thirty-three (33) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy<br> Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;36 | &nbsp;&nbsp;15.72% |
| &nbsp;&nbsp;Qualifying All Borrower Residual Income | &nbsp;&nbsp;26 | &nbsp;&nbsp;11.35% |
| &nbsp;&nbsp;Borrower Appraisal Receipt Date | &nbsp;&nbsp;21 | &nbsp;&nbsp;9.17% |
| &nbsp;&nbsp;Originator Doc Type | &nbsp;&nbsp;21 | &nbsp;&nbsp;9.17% |
| &nbsp;&nbsp;Qualifying Total Monthly Liabilities | &nbsp;&nbsp;20 | &nbsp;&nbsp;8.73% |
| &nbsp;&nbsp;Total Qualified Assets Available | &nbsp;&nbsp;18 | &nbsp;&nbsp;7.86% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;16 | &nbsp;&nbsp;6.99% |
| &nbsp;&nbsp;Total Liquid Assets Available For Close | &nbsp;&nbsp;10 | &nbsp;&nbsp;4.37% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;9 | &nbsp;&nbsp;3.93% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;7 | &nbsp;&nbsp;3.06% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;7 | &nbsp;&nbsp;3.06% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;5 | &nbsp;&nbsp;2.18% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;5 | &nbsp;&nbsp;2.18% |
| &nbsp;&nbsp;Cash out Include Debt Paid at Close | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.31% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.31% |
| &nbsp;&nbsp;Borrower 1 Qualifying Income | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.87% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.87% |
| &nbsp;&nbsp;All Borrower Total Income | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.87% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.87% |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.44% |
| &nbsp;&nbsp;Lock Term (Days) | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.44% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.44% |
| &nbsp;&nbsp;Reviewed Appraised Property Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.44% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;T & I Payment | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.44% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.44% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.44% |
| &nbsp;&nbsp;First Pymt Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.44% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.44% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.44% |
| &nbsp;&nbsp;Borrower 1 Total Years Employment/Self-Employment Verified | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.44% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.44% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.44% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.44% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**229** | &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 | 49 | $2702470.00 | 90.74% |
| Event Grade B | 5 | $363750.00 | 9.26% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 54 | $3066220.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 51 | 94.44% |
| Event Grade B | 3 | 5.56% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 54 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results: (As applicable, 5 loans within population did not receive a Compliance Review)** | **Compliance Results: (As applicable, 5 loans within population did not receive a Compliance Review)** | **Compliance Results: (As applicable, 5 loans within population did not receive a Compliance Review)** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 48 | 97.96% |
| Event Grade B | 1 | 2.04% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 49 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 51 | 94.44% |
| Event Grade B | 3 | 5.56% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 54 | 100.00% |

---

**Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception<br> Type | &nbsp;&nbsp;Exception<br> Level<br> Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;40 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Borrower 1 Gap Credit Report is Missing | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;The Total Hazard Coverage is LESS than the Required Coverage Amount | &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;Borrower 2 Gap Credit Report is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Subject Property Lease - Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Fraud Report Shows Uncleared Alerts | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Guideline Seasoning not Met | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;The Initial 1003 is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Verification of Borrower Liabilities Missing or Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Title Insurance Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Number of Months) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Missing Letter of Explanation (Credit) | &nbsp;&nbsp;1 |

---

---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;**60** |
|  | &nbsp;&nbsp;**B** | &nbsp;&nbsp;Audited LTV Exceeds Guideline LTV | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;**B** | &nbsp;&nbsp;Audited CLTV Exceeds Guideline CLTV | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;**B** | &nbsp;&nbsp;DSCR Minimum Not Met | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;**B** | &nbsp;&nbsp;Audited DTI Exceeds Guideline DTI | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;**B** | &nbsp;&nbsp;Audited HCLTV Exceeds Guideline HCLTV | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;**B** | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;**5** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;35 |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;4 |
| &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;2 |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;TILA Right of Rescission Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Revised Loan Estimate Delivery Date Test (prior to consummation) | &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;TRID: Missing Loan Estimate | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Homeownership Counseling Disclosure Is Missing | &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;**53** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**B** | &nbsp;&nbsp;TILA Finance Charge Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**B** | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;45 |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Third Party Valuation Product Not Provided within 10% Tolerance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;The appraiser was not licensed (Primary Value) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;**47** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**B** | &nbsp;&nbsp;Third Party Valuation Product Not Provided within 10% Tolerance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**B** | &nbsp;&nbsp;Property Issue(s) are Present | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**B** | &nbsp;&nbsp;Ineligible Property | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**B** | &nbsp;&nbsp;Missing, Inadequate, or Incomplete Project Document | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**B** | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;**4** |

---

**Event Grade Definitions**

---

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

---

---

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

---

---

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

---

---

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

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 1**

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan ID** | **ALT Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **Initial Compliance Loan Grades DBRS** | **Initial Compliance Loan Grades Fitch** | **Initial Compliance Loan Grades Kroll** | **Initial Compliance Loan Grades Moody's** | **Initial Compliance Loan Grades S&P** | **Final Compliance Loan Grades DBRS** | **Final Compliance Loan Grades Fitch** | **Final Compliance Loan Grades Kroll** | **Final Compliance Loan Grades Moody's** | **Final Compliance Loan Grades S&P** |
| 834 | XX |  |  | XX C | A | A | A | A | A C B | A | A | A | A | A B |
| 835 | XX |  |  | XX D | A | A | A | A | A C D | A | A | A | A | A |
| 833 | XX |  |  | XX D | A | A | A | A | A D | A | A | A | A | A |
| 874 | XX |  |  | XX C | A | A | A | A | A B C | A | A | A | A | A B |
| 876 | XX |  |  | XX D | C | C | C | C | C A D | B | B | B | B | B A |
| 829 | XX |  |  | XX A | A | A | A | A | A | A | A | A | A | A |
| 827 | XX |  |  | XX A | A | A | A | A | A | A | A | A | A | A |
| 831 | XX |  |  | XX A | A | A | A | A | A | A | A | A | A | A |
| 872 | XX |  |  | XX A | A | A | A | A | A | A | A | A | A | A |
| 880 | XX |  |  | XX D | B | B | B | B | B A D | A | A | A | A | A |
| 879 | XX |  |  | XX A | A | A | A | A | A | A | A | A | A | A |
| 850 | XX |  |  | XX D | A | A | A | A | A D | A | A | A | A | A |
| 843 | XX |  |  | XX A | D | D | D | D | D A | A | A | A | A | A |
| 877 | XX |  |  | XX D | A | A | A | A | A D | A | A | A | A | A |
| 845 | XX |  |  | XX A | A | A | A | A | A | A | A | A | A | A |
| 881 | XX |  |  | XX A | C | C | C | C | C A | A | A | A | A | A |
| 841 | XX |  |  | XX A | A | A | A | A | A | A | A | A | A | A |
| 878 | XX |  |  | XX D | A | A | A | A | A D | A | A | A | A | A |
| 849 | XX |  |  | XX A | B | B | B | B | B A | A | A | A | A | A |
| 847 | XX |  |  | XX A | C | C | C | C | C A | A | A | A | A | A |
| 828 | XX |  |  | XX A | B | B | B | B | B A | A | A | A | A | A |
| 844 | XX |  |  | XX A | A | A | A | A | A | A | A | A | A | A |
| 842 | XX |  |  | XX A | A | A | A | A | A C | A | A | A | A | A B |
| 846 | XX |  |  | XX A | C | C | C | C | C A | A | A | A | A | A |
| 832 | XX |  |  | XX A | B | B | B | B | B A | A | A | A | A | A |
| 830 | XX |  |  | XX C | C | C | C | C | C B | A | A | A | A | A B |
| 836 | XX |  |  | XX C | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |
| 873 | XX |  |  | XX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 840 | XX |  |  | XX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 875 | XX |  |  | XX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 882 | XX |  |  | XX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 866 | XX | XX |  | XX A | A | A | A | A | A | A | A | A | A | A |
| 860 | XX | XX |  | XX A | A | A | A | A | A | A | A | A | A | A |
| 868 | XX | XX |  | XX A | A | A | A | A | A | A | A | A | A | A |
| 867 | XX | XX |  | XX A | A | A | A | A | A | A | A | A | A | A |
| 865 | XX | XX |  | XX A | A | A | A | A | A | A | A | A | A | A |
| 853 | XX | XX |  | XX A | A | A | A | A | A | A | A | A | A | A |
| 857 | XX | XX |  | XX A | A | A | A | A | A | A | A | A | A | A |
| 858 | XX | XX |  | XX A | A | A | A | A | A | A | A | A | A | A |
| 863 | XX | XX |  | XX A | A | A | A | A | A | A | A | A | A | A |
| 870 | XX | XX |  | XX A | A | A | A | A | A | A | A | A | A | A |
| 869 | XX | XX |  | XX A | A | A | A | A | A | A | A | A | A | A |
| 851 | XX | XX |  | XX A | A | A | A | A | A | A | A | A | A | A |
| 852 | XX | XX |  | XX A | A | A | A | A | A | A | A | A | A | A |
| 861 | XX | XX |  | XX A | A | A | A | A | A | A | A | A | A | A |
| 859 | XX | XX |  | XX A | A | A | A | A | A | A | A | A | A | A |
| 864 | XX | XX |  | XX A | A | A | A | A | A | A | A | A | A | A |
| 854 | XX | XX |  | XX A | A | A | A | A | A | A | A | A | A | A |
| 856 | XX | XX |  | XX A | A | A | A | A | A | A | A | A | A | A |
| 855 | XX | XX |  | XX A | A | A | A | A | A | A | A | A | A | A |
| 862 | XX | XX |  | XX C | A | A | A | A | A C | A | A | A | A | A |
| 871 | XX | XX |  | XX D | A | A | A | A | A D | A | A | A | A | A |
| 838 | XX | XX |  | XX A | A | A | A | A | A | A | A | A | A | A |
| 837 | XX | XX |  | XX A | A | A | A | A | A | A | A | A | A | A |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan Number** | **ALT Loan ID** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception ID** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** | **Initial Compliance Grade** | **Final Compliance Grade** | **Initial Compliance Grade (DBRS/Morningstar)** | **Initial Compliance Grade (Fitch)** | **Initial Compliance Grade (Kroll)** | **Initial Compliance Grade (Moodys)** | **Initial Compliance Grade (S&P)** | **Final Compliance Grade (DBRS/Morningstar)** | **Final Compliance Grade (Fitch)** | **Final Compliance Grade (Kroll)** | **Final Compliance Grade (Moodys)** | **Final Compliance Grade (S&P)** |
| 834 | XX |  | XX | XX | XX | XX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/26/2025 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of ($XX) is insufficient, not meeting the required coverage amount of ($XX). | Document Uploaded. Please see LOE from HOI agent showing 25% extended coverage which puts coverage over loan amount. ; Document Uploaded. | 08/29/2025 | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount; LOX from the insurance agent indicates 25% additional limit to dwelling coverage is included. Hazard insurance is sufficient. ; Hazard insurance provided indicates an additional limit total loss to dwelling, it does specify the additional limit amount, unable to verify if additional limit to dwelling is sufficient to cover loan amount of $XX | 09/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 787 is greater than Guideline minimum FICO of 740<br>Borrower has stable job time - Borrower has 12.99 years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 834 | XX |  | XX | XX | XX | XX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/26/2025 | Acknowledged | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of 51.8% exceeds Guideline DTI of 50% DTI: Audit Total All Monthly Payments of $17,415.94 - $16,739.94 Final 1008 = $676. This amount matches the XX liability that the Lender only provided 5 months bank statements XX #XX pages 264-286. Audit cannot exclude liability without 12 months asset statements or cancelled checks per NQMF guidelines dated 1.30.25 page 76. | Document Uploaded. Please see the attached exception. | 09/02/2025 | Received approved lender exception to exclude XX/ATW – this is paid by the business but only have evidence of 5 months dues to the account being opened 12/2024. Compensating factors; 3 months reserves greater than the program requirement; 6 months reserves greater than program requirement; borrower contribution exceeds program requirement by >=5%; FICO 20+ points greater than program requirement; 5 years in current job; VOR/VOM 0x30x24; LTV is 10% below the maximum per the matrix. | 09/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 787 is greater than Guideline minimum FICO of 740<br>Borrower has stable job time - Borrower has 12.99 years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 834 | XX |  | XX | XX | XX | XX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 787 is greater than Guideline minimum FICO of 740<br>Borrower has stable job time - Borrower has 12.99 years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 834 | XX |  | XX | XX | XX | XX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 06/27/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 787 is greater than Guideline minimum FICO of 740<br>Borrower has stable job time - Borrower has 12.99 years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 835 | XX |  | XX | XX | XX | XX | SC | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/07/2025 | Resolved | FCOM1231 | Credit | The Initial 1003 is Missing | The Initial 1003 is Missing The file does not contain a copy of the initial 1003. | Document Uploaded. | 08/13/2025 | The Initial 1003 is Present; Initial 1003 application provided. | 08/18/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.76% is less than Guideline CLTV of 75%<br>Borrower has stable job time - Borrower has 25.76 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 808 is greater than Guideline minimum FICO of 640<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 56.76% is less than Guideline LTV of 75% D A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 835 | XX |  | XX | XX | XX | XX | SC | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/07/2025 | Resolved | FCRE5782 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing The file does not contain a copy of the Gap Credit report dated within 30 days of the note date. | Document Uploaded. | 08/13/2025 | Borrower 1 Gap Credit Report is not missing.; Undisclosed debt monitoring report dated within 30 days of closing received. | 08/18/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.76% is less than Guideline CLTV of 75%<br>Borrower has stable job time - Borrower has 25.76 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 808 is greater than Guideline minimum FICO of 640<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 56.76% is less than Guideline LTV of 75% D A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 835 | XX |  | XX | XX | XX | XX | SC | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/07/2025 | 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 does not have verification of the pre-sale rent payments for April, May, and June. There is a purchase agreement addendum indicating the rent is $9,000.00, but no evidence that those rent payments were made. | Document Uploaded. | 08/13/2025 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present.; Received May and June rent payments, per LOX from lender, the borrower resided at previous residence in April. | 08/18/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.76% is less than Guideline CLTV of 75%<br>Borrower has stable job time - Borrower has 25.76 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 808 is greater than Guideline minimum FICO of 640<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 56.76% is less than Guideline LTV of 75% D A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 835 | XX |  | XX | XX | XX | XX | SC | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/07/2025 | Resolved | FPRO1137 | Property | The appraiser was not licensed (Primary Value) | Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date The Appraisal is Signed by XX who does have a license in the state of SC license number XX. But the license number listed and the copy of the appraisal license provided belongs to a XX. The appraisal should be updated to reflect the correct license number for the appraiser and a copy of XX Appraisal license should be provided. | Document Uploaded. | 08/15/2025 | Primary Value appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are Not Provided; Revised appraisal and UCDPs provided showing appraiser as XX. Updated system with correct appraiser name and licensing information. | 08/18/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.76% is less than Guideline CLTV of 75%<br>Borrower has stable job time - Borrower has 25.76 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 808 is greater than Guideline minimum FICO of 640<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 56.76% is less than Guideline LTV of 75% D A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 835 | XX |  | XX | XX | XX | XX | SC | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/05/2025 | 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 56.76% is less than Guideline CLTV of 75%<br>Borrower has stable job time - Borrower has 25.76 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 808 is greater than Guideline minimum FICO of 640<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 56.76% is less than Guideline LTV of 75% D A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 833 | XX |  | XX | XX | XX | XX | LA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/22/2025 | Resolved | FCRE5782 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing Gap or undisclosed monitoring report within 30 days of closing is missing | Document Uploaded. | 07/28/2025 | Borrower 1 Gap Credit Report is not missing.; Undisclosed debt monitoring report dated within 30 days of closing received. | 07/31/2025 | Qualifying DTI below max allowed. - Calculated DTI of 31.15% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 17.35 years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 833 | XX |  | XX | XX | XX | XX | LA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/23/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML compliant | 07/23/2025 | Qualifying DTI below max allowed. - Calculated DTI of 31.15% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 17.35 years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 833 | XX |  | XX | XX | XX | XX | LA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 31.15% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 17.35 years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 874 | XX |  | XX | XX | XX | XX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/19/2026 | Acknowledged | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Property valuation 2 did not support within 10% variance. Valuation 3 supports original appraised value. |  |  |  | 01/19/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75%<br>Borrower has stable job time - Borrower has 5.08 years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% A | A | A C B | A C B | A C B | A C B | A C B | A B | A B | A B | A B | A B | A |
| 874 | XX |  | XX | XX | XX | XX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/17/2025 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of ($XX) is insufficient, not meeting the required coverage amount of ($XX). The Replacement cost estimator has a value of $XX and the coverage amount on the policy is $XX, which is less than the loan amount of $XX | Document Uploaded. | 10/09/2025 | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount; According to email from lender hazard insurance policy has an additional coverage of $XX, including the dwelling coverage of $XX for a total coverage of $XX which covers the loan amount of $XX. | 10/13/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75%<br>Borrower has stable job time - Borrower has 5.08 years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% A | A | A C B | A C B | A C B | A C B | A C B | A B | A B | A B | A B | A B | A |
| 874 | XX |  | XX | XX | XX | XX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/17/2025 | 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 65% is less than Guideline CLTV of 75%<br>Borrower has stable job time - Borrower has 5.08 years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% A | A | A C B | A C B | A C B | A C B | A C B | A B | A B | A B | A B | A B | A |
| 876 | XX |  | XX | XX | XX | XX | UT | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/17/2025 | Cured | finding-651 | Compliance | TILA Finance Charge Test | This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $1,295,046.41. The disclosed finance charge of $1,294,620.11 is not considered accurate because it is understated by more than $100. TILA 130b Cure Required due to Finance Charge under-disclosure. Refund in the amount of $426.30; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery. Finance charges included are: Underwriting Fee $1,295.00, Processing Fee $795.00, Loan Origination Fee $12,881.16, Flood Cert $25.00, CPL $25.00, Settlement Fee $575.00, Title Courier Fee $35.00, Prepaid Interest $3,166.50. | Document Uploaded. | 10/23/2025 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | 11/04/2025 | Qualifying DTI below max allowed. - Calculated DTI of 31.66% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 27.79 years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 777 is greater than Guideline minimum FICO of 700<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 876 | XX |  | XX | XX | XX | XX | UT | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/17/2025 | Resolved | FCRE5782 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing The file does not contain a copy of a Gap Credit Report dated within 30 days of the Note date. | Document Uploaded. | 10/23/2025 | Borrower 1 Gap Credit Report is not missing.; Credit refresh report dated within 30 days of closing indicates no credit history changes. | 10/27/2025 | Qualifying DTI below max allowed. - Calculated DTI of 31.66% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 27.79 years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 777 is greater than Guideline minimum FICO of 700<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 876 | XX |  | XX | XX | XX | XX | UT | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/20/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Document Uploaded. | 10/23/2025 | Required Affiliated Business Disclosure Documentation Provided | 10/27/2025 | Qualifying DTI below max allowed. - Calculated DTI of 31.66% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 27.79 years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 777 is greater than Guideline minimum FICO of 700<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 876 | XX |  | XX | XX | XX | XX | UT | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/20/2025 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | Documentation required; the file is missing evidence that the borrower received or acknowledged receipt of an initial CD at least 3 business days prior to 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's 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; orthel 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. | 10/23/2025 | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | 10/27/2025 | Qualifying DTI below max allowed. - Calculated DTI of 31.66% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 27.79 years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 777 is greater than Guideline minimum FICO of 700<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 876 | XX |  | XX | XX | XX | XX | UT | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 31.66% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 27.79 years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 777 is greater than Guideline minimum FICO of 700<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 829 | XX |  | XX | XX | XX | XX | GA | ATR/QM: Exempt | Loan Review Complete | 10/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 10.18% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 9.71 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 829 | XX |  | XX | XX | XX | XX | GA | ATR/QM: Exempt | Loan Review Complete | 10/22/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 10.18% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 9.71 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 829 | XX |  | XX | XX | XX | XX | GA | ATR/QM: Exempt | Loan Review Complete | 10/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 10.18% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 9.71 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 827 | XX |  | XX | XX | XX | XX | MI | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has 3.39 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 4.27% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 795 is greater than Guideline minimum FICO of 760 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 827 | XX |  | XX | XX | XX | XX | MI | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 3.39 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 4.27% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 795 is greater than Guideline minimum FICO of 760 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 827 | XX |  | XX | XX | XX | XX | MI | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 3.39 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 4.27% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 795 is greater than Guideline minimum FICO of 760 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 831 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/22/2025 | 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 57.01% is less than Guideline LTV of 80%<br>Borrower has stable job time - Borrower has 8.86 years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.01% is less than Guideline CLTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 789 is greater than Guideline minimum FICO of 680 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 831 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 57.01% is less than Guideline LTV of 80%<br>Borrower has stable job time - Borrower has 8.86 years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.01% is less than Guideline CLTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 789 is greater than Guideline minimum FICO of 680 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 831 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/23/2025 | 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 57.01% is less than Guideline LTV of 80%<br>Borrower has stable job time - Borrower has 8.86 years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.01% is less than Guideline CLTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 789 is greater than Guideline minimum FICO of 680 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 872 | XX |  | XX | XX | XX | XX | MI | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 771 is greater than Guideline minimum FICO of 680<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80%<br>Borrower has stable job time - Borrower has 4.38 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 39.65% is less than Guideline DTI of 50% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 872 | XX |  | XX | XX | XX | XX | MI | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 771 is greater than Guideline minimum FICO of 680<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80%<br>Borrower has stable job time - Borrower has 4.38 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 39.65% is less than Guideline DTI of 50% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 872 | XX |  | XX | XX | XX | XX | MI | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/24/2025 | 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 771 is greater than Guideline minimum FICO of 680<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80%<br>Borrower has stable job time - Borrower has 4.38 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 39.65% is less than Guideline DTI of 50% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 880 | XX |  | XX | XX | XX | XX | WA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/22/2025 | Resolved | FCOM1266 | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing Documentation Required- Homeownership Counseling Organizations Disclosure dated within three business days of the application date of 08/XX/2025. | Document Uploaded. | 10/31/2025 | Homeownership Counseling Disclosure Is Present or Not Applicable | 11/06/2025 | Qualifying DTI below max allowed. - Calculated DTI of 37.89% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 2.3 years on job. A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 880 | XX |  | XX | XX | XX | XX | WA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/22/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation Required- Affiliated Business Disclosure or privacy policy verifying Lender does not have affiliates. | Document Uploaded. ; Document Uploaded. ; Document Uploaded. | 11/04/2025 | Required Affiliated Business Disclosure Documentation Provided; Affiliated provided was for the title company, provide an Affiliated Business Disclosure or attestation showing the lender does not have affiliates or did not refer business to an affiliate; Document provided appears to be a search of affiliated business for the borrower; provide an Affiliated Business Disclosure or attestation showing the lender does not have affiliates or did not refer business to an affiliate | 11/06/2025 | Qualifying DTI below max allowed. - Calculated DTI of 37.89% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 2.3 years on job. A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 880 | XX |  | XX | XX | XX | XX | WA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/24/2025 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $23168.32 are less than Guideline Required Reserves of $26271.78. Please provide asset statements showing sufficient reserves required per guidelines. | Document Uploaded. Acct XX has more than 6k in the account, Please recalculate ; Document Uploaded. | 10/30/2025 | Audited Reserves of $28517.33 are equal to or greater than AUS Required Reserves of $26271.78.; Updated asset statement for acct #0813 indicates a balance of $6349.40. Assets are sufficient for reserves. ; Verified assets of $108,758.71 ($1,000.39 #XX; $102,009.04 #XX; $5,749.29 #XX) are not sufficient for funds to close of $85,590.40 (per final CD) and 6 months reserves of $26,271.78. Assets are short by $3,103.45 for reserves. | 10/31/2025 | Qualifying DTI below max allowed. - Calculated DTI of 37.89% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 2.3 years on job. A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 880 | XX |  | XX | XX | XX | XX | WA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/24/2025 | Resolved | FCRE1198 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of 5.29 month(s) are less than Guideline Required Reserves of 6 month(s) Please provide asset statements showing sufficient reserves required per guidelines. | Document Uploaded. Acct XX has more than 6k in the account, Please recalculate ; Document Uploaded. | 10/30/2025 | Audited Reserves of 6.51 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s); Updated asset statement for acct #0813 indicates a balance of $6349.40. Assets are sufficient for reserves. ; Verified assets of $108,758.71 ($1,000.39 #XX; $102,009.04 #XX; $5,749.29 #XX) are not sufficient for funds to close of $85,590.40 (per final CD) and 6 months reserves of $26,271.78. Assets are short by $3,103.45 for reserves. | 10/31/2025 | Qualifying DTI below max allowed. - Calculated DTI of 37.89% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 2.3 years on job. A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 880 | XX |  | XX | XX | XX | XX | WA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/24/2025 | Resolved | FCRE3843 | Credit | Guideline Seasoning not Met | The required number of months reserves are to be seasoned does not meet Guideline requirement. Please provide asset statements showing enough to cover required reserves of 6 months. | Document Uploaded. Acct XX has more than 6k in the account, Please recalculate ; Document Uploaded. | 10/30/2025 | The required number of months reserves are to be seasoned does meet Guideline requirement.; Updated asset statement for acct #0813 indicates a balance of $6349.40. Assets are sufficient for reserves. ; Verified assets of $108,758.71 ($1,000.39 #XX; $102,009.04 #XX; $5,749.29 #XX) are not sufficient for funds to close of $85,590.40 (per final CD) and 6 months reserves of $26,271.78. Assets are short by $3,103.45 for reserves. | 10/31/2025 | Qualifying DTI below max allowed. - Calculated DTI of 37.89% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 2.3 years on job. A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 880 | XX |  | XX | XX | XX | XX | WA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 37.89% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 2.3 years on job. A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 879 | XX |  | XX | XX | XX | XX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/23/2025 | 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 80% is less than Guideline LTV of 90%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br>Qualifying DTI below max allowed. - Calculated DTI of 18.35% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 29.25 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 879 | XX |  | XX | XX | XX | XX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br>Qualifying DTI below max allowed. - Calculated DTI of 18.35% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 29.25 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 879 | XX |  | XX | XX | XX | XX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br>Qualifying DTI below max allowed. - Calculated DTI of 18.35% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 29.25 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 850 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/27/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Guidelines, dated 09/XX/2025, required a 12 month housing history. The Borrower is currently renting and for 9 months per the final 1003 and only 5 months of rent checks were in file. Missing full rental verification. | Document Uploaded. | 10/29/2025 | Housing History Meets Guideline Requirements; An updated 1003 application provided indicates borrower is renting for 5 months. Five months canceled checks provided. | 10/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 787 is greater than Guideline minimum FICO of 700<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 44.9% is less than Guideline LTV of 70%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.9% is less than Guideline CLTV of 70% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 850 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/27/2025 | 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. Guidelines, dated 09/XX/2025, required a 12 month housing history. The Borrower is currently renting and for 9 months per the final 1003 and only 5 months of rent checks were in file. Missing full rental verification. | Document Uploaded. | 10/29/2025 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present.; An updated 1003 application provided indicates borrower is renting for 5 months. Five months canceled checks provided. | 10/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 787 is greater than Guideline minimum FICO of 700<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 44.9% is less than Guideline LTV of 70%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.9% is less than Guideline CLTV of 70% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 850 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/27/2025 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | Missing letter of explanation regarding credit inquiries within 90 days of the Note date, per guidelines, dated 09/XX/2025. | Document Uploaded. | 10/29/2025 | Explanation of credit inquiry was received.  | 10/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 787 is greater than Guideline minimum FICO of 700<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 44.9% is less than Guideline LTV of 70%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.9% is less than Guideline CLTV of 70% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 850 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/27/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 787 is greater than Guideline minimum FICO of 700<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 44.9% is less than Guideline LTV of 70%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.9% is less than Guideline CLTV of 70% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 850 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/27/2025 | 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 787 is greater than Guideline minimum FICO of 700<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 44.9% is less than Guideline LTV of 70%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.9% is less than Guideline CLTV of 70% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 843 | XX |  | XX | XX | XX | XX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/31/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA 130b Cure Required. Refund in the amount of $125.00, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $125.00 is due to the increase in origination compensation. It appears to be due to the increase in loan amount however the date the loan amount was requested to be increased was not provided TILA 130b Cure Required. Refund in the amount of $125.00, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $125.00 is due to the increase in origination compensation. It appears to be due to the increase in loan amount however the date the loan amount was requested to be increased was not provided This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $125.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $125.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). Document Uploaded. Document Uploaded. Document Uploaded. Valid COC provided; exception resolved Valid COC provided; exception resolved |  |  |  | 11/05/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 75%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 695 is greater than Guideline minimum FICO of 680<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 75%<br>Borrower has stable job time - Borrower has 6.53 years on job. D A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 843 | XX |  | XX | XX | XX | XX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/24/2025 | Resolved | FCOM8227 | Compliance | TRID: Missing Loan Estimate | Documentation Required:<br> The file is missing the Initial LE dated within 3 business days of application. | Document Uploaded. | 10/29/2025 | Initial LE provided; exception resolved | 10/31/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 75%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 695 is greater than Guideline minimum FICO of 680<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 75%<br>Borrower has stable job time - Borrower has 6.53 years on job. D A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 843 | XX |  | XX | XX | XX | XX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/27/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 75%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 695 is greater than Guideline minimum FICO of 680<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 75%<br>Borrower has stable job time - Borrower has 6.53 years on job. D A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 843 | XX |  | XX | XX | XX | XX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/27/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 75%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 695 is greater than Guideline minimum FICO of 680<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 75%<br>Borrower has stable job time - Borrower has 6.53 years on job. D A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 877 | XX |  | XX | XX | XX | XX | CT | ATR/QM: Exempt | Loan Review Complete | 10/28/2025 | Resolved | FCRE5782 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing The file does not contain a copy of the Gap Credit Report dated within 30 days of the Note date. | Document Uploaded. | 11/04/2025 | Borrower 1 Gap Credit Report is not missing. | 11/04/2025 | Borrower has stable job time - Borrower has 6.57 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 748 is greater than Guideline minimum FICO of 660<br>Qualifying DTI below max allowed. - Calculated DTI of 37.2% 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 |
| 877 | XX |  | XX | XX | XX | XX | CT | ATR/QM: Exempt | Loan Review Complete | 10/28/2025 | Resolved | FCRE5783 | Credit | Borrower 2 Gap Credit Report is Missing | Borrower 2 Gap Credit Report is Missing The file does not contain a copy of the Gap Credit Report dated within 30 days of the Note date. | Document Uploaded. | 11/04/2025 | Borrower 2 Gap Credit Report is not missing. | 11/04/2025 | Borrower has stable job time - Borrower has 6.57 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 748 is greater than Guideline minimum FICO of 660<br>Qualifying DTI below max allowed. - Calculated DTI of 37.2% 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 |
| 877 | XX |  | XX | XX | XX | XX | CT | ATR/QM: Exempt | Loan Review Complete | 10/28/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 6.57 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 748 is greater than Guideline minimum FICO of 660<br>Qualifying DTI below max allowed. - Calculated DTI of 37.2% 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 |
| 845 | XX |  | XX | XX | XX | XX | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/28/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 8.73 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 37.24% is less than Guideline DTI of 50% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 845 | XX |  | XX | XX | XX | XX | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/28/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 8.73 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 37.24% is less than Guideline DTI of 50% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 845 | XX |  | XX | XX | XX | XX | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/29/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has 8.73 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 37.24% is less than Guideline DTI of 50% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 881 | XX |  | XX | XX | XX | XX | MI | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/28/2025 | Resolved | finding-3526 | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii))The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either's First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or "In Person" and the revised loan estimate delivery date is less than four 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; orthel revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four 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; orthel revised loan estimate delivery date is on or after the initial closing disclosure delivery date. The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(I) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(I). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(I) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(I) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. Documentation required to clear exception: Proof of delivery/receipt of Revised LE dated 10/9/2025 at least 6 days prior to closing. | Document Uploaded. | 11/05/2025 | Revised LE provided; Exception resolve; Revised LE provided; Exception resolve | 11/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 722 is greater than Guideline minimum FICO of 700 A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 881 | XX |  | XX | XX | XX | XX | MI | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/28/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant - escrowed and appraisal delivered within 3 business days of closing |  |  | HPML compliant | 11/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 722 is greater than Guideline minimum FICO of 700 A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 881 | XX |  | XX | XX | XX | XX | MI | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/28/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 722 is greater than Guideline minimum FICO of 700 A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 881 | XX |  | XX | XX | XX | XX | MI | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/28/2025 | 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 722 is greater than Guideline minimum FICO of 700 A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 841 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/28/2025 | 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 800 is greater than Guideline minimum FICO of 720<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 841 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/28/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 800 is greater than Guideline minimum FICO of 720<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 841 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/28/2025 | 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 800 is greater than Guideline minimum FICO of 720<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 878 | XX |  | XX | XX | XX | XX | MO | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/29/2025 | Resolved | FCRE5782 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing Guidelines require a Gap Credit Report within 30 days of closing. Please provide Gap Credit Report. | Document Uploaded. | 10/31/2025 | Borrower 1 Gap Credit Report is not missing.; A preclose credit report dated within 30 days of closing indicates no credit history changes. | 11/03/2025 | Borrower has stable job time - Borrower has 3.79 years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 878 | XX |  | XX | XX | XX | XX | MO | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/28/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  |  | HPML compliant | 10/30/2025 | Borrower has stable job time - Borrower has 3.79 years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 878 | XX |  | XX | XX | XX | XX | MO | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 3.79 years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 849 | XX |  | XX | XX | XX | XX | NC | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/30/2025 | 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)). Provide evidence the appraisal was delivered to the borrower a minimum of 3 business days prior to consummation 10/XX/2025 | Document Uploaded. | 11/03/2025 | Evidence of appraisal delivery provided. | 11/03/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.14% is less than Guideline LTV of 65%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 758 is greater than Guideline minimum FICO of 700<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.14% is less than Guideline CLTV of 65% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 849 | XX |  | XX | XX | XX | XX | NC | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/30/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.14% is less than Guideline LTV of 65%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 758 is greater than Guideline minimum FICO of 700<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.14% is less than Guideline CLTV of 65% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 849 | XX |  | XX | XX | XX | XX | NC | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.14% is less than Guideline LTV of 65%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 758 is greater than Guideline minimum FICO of 700<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.14% is less than Guideline CLTV of 65% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 847 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/03/2025 | Resolved | finding-47 | Compliance | TILA Right of Rescission Test | This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Documentation required: The loan funding date is before the third business day following consummation. Provide documentation showing evidence that the funding date did not occur less than 3 business days after consummation date 10/XX/2025, may cure the violation. | Document Uploaded. | 11/06/2025 | PCCD provided; Exception resolved; PCCD provided; Exception resolved | 11/08/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 22.22% is less than Guideline CLTV of 65%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 784 is greater than Guideline minimum FICO of 700<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 22.22% is less than Guideline LTV of 65% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 847 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 22.22% is less than Guideline CLTV of 65%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 784 is greater than Guideline minimum FICO of 700<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 22.22% is less than Guideline LTV of 65% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 847 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 22.22% is less than Guideline CLTV of 65%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 784 is greater than Guideline minimum FICO of 700<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 22.22% is less than Guideline LTV of 65% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 828 | XX |  | XX | XX | XX | XX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/05/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Provide eConsent dated on or before 9/XX/25. | Document Uploaded. | 11/07/2025 | Evidence of eConsent is provided.; e-consent received | 11/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 718 is greater than Guideline minimum FICO of 660 B A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 828 | XX |  | XX | XX | XX | XX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 718 is greater than Guideline minimum FICO of 660 B A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 828 | XX |  | XX | XX | XX | XX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/05/2025 | 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 718 is greater than Guideline minimum FICO of 660 B A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 844 | XX |  | XX | XX | XX | XX | VA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/05/2025 | 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 745 is greater than Guideline minimum FICO of 700 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 844 | XX |  | XX | XX | XX | XX | VA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 745 is greater than Guideline minimum FICO of 700 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 844 | XX |  | XX | XX | XX | XX | VA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 745 is greater than Guideline minimum FICO of 700 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 842 | XX |  | XX | XX | XX | XX | MN | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/07/2025 | Acknowledged | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | AVM provided | 11/07/2025 | AVM not within 10% variance of primary valuation. Property grade B; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. AVM received; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. AVM received; Document Uploaded. ; | 01/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 707 is greater than Guideline minimum FICO of 660<br>Qualifying DTI below max allowed. - Calculated DTI of 37.31% is less than Guideline DTI of 50% B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 842 | XX |  | XX | XX | XX | XX | MN | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/06/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrows and appraisal requirements met. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML Compliant | 11/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 707 is greater than Guideline minimum FICO of 660<br>Qualifying DTI below max allowed. - Calculated DTI of 37.31% is less than Guideline DTI of 50% B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 842 | XX |  | XX | XX | XX | XX | MN | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 707 is greater than Guideline minimum FICO of 660<br>Qualifying DTI below max allowed. - Calculated DTI of 37.31% is less than Guideline DTI of 50% B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 846 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/10/2025 | Resolved | finding-47 | Compliance | TILA Right of Rescission Test | This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Loan disbursed on 11/XX/2025 per final CD, and the right of rescission was signed on 10/XX/2025. Disbursement occurred prior to the third business day after consummation. In order to cure, rescission needs to be re-opened and a PCCD, LOE, and proof of delivery is required. Documentation to verify actual disbursement date may also cure violation. | Document Uploaded. | 11/14/2025 | PCCD provided; exception resolved; PCCD provided; exception resolved | 11/17/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.58% is less than Guideline LTV of 70%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 798 is greater than Guideline minimum FICO of 700<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.58% is less than Guideline CLTV of 70% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 846 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.58% is less than Guideline LTV of 70%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 798 is greater than Guideline minimum FICO of 700<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.58% is less than Guideline CLTV of 70% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 846 | XX |  | XX | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/11/2025 | 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 56.58% is less than Guideline LTV of 70%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 798 is greater than Guideline minimum FICO of 700<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.58% is less than Guideline CLTV of 70% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 832 | XX |  | XX | XX | XX | XX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/11/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The signed consent disclosure is missing. Documentation required. Missing proof of e-consent dated 10/XX/2025 or before. | Document Uploaded. | 11/14/2025 | Evidence of eConsent is provided. | 11/14/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 20% is less than Guideline LTV of 75%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 20% is less than Guideline CLTV of 75%<br>Qualifying DTI below max allowed. - Calculated DTI of 28.72% is less than Guideline DTI of 43%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 766 is greater than Guideline minimum FICO of 700 A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 832 | XX |  | XX | XX | XX | XX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 20% is less than Guideline LTV of 75%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 20% is less than Guideline CLTV of 75%<br>Qualifying DTI below max allowed. - Calculated DTI of 28.72% is less than Guideline DTI of 43%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 766 is greater than Guideline minimum FICO of 700 A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 832 | XX |  | XX | XX | XX | XX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/13/2025 | 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 20% is less than Guideline LTV of 75%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 20% is less than Guideline CLTV of 75%<br>Qualifying DTI below max allowed. - Calculated DTI of 28.72% is less than Guideline DTI of 43%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 766 is greater than Guideline minimum FICO of 700 A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 830 | XX |  | XX | XX | XX | XX | MD | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/13/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The signed consent disclosure is missing. Provide the e-consent dated on or prior to the earliest electronic signature 10/XX/2025. | Document Uploaded. | 11/17/2025 | Evidence of eConsent is provided.; Received E-consent | 11/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of 19.81% is less than Guideline DTI of 38%<br>Borrower has stable job time - Borrower has 7.22 years on job. A | C | A C | C | C | C | C | C B | A B | A B | A B | A B | A |
| 830 | XX |  | XX | XX | XX | XX | MD | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/14/2025 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 75% exceeds Guideline LTV of 70% Per the Super Jumbo Matrix dated 9/XX/2025, the max LTV is 70%. |  |  | Exception provided: Subject in greater XX area and not considered rural. LTV exception approved. Acreage is acceptable and normal for the market. Comp factors: DTI > below program requirement, high discretionary income, 6 mos. reserves or greater, 5 Yrs in current job, COR 0x30 in 24 mos. 40 mos post closing reserves. Approved. | 11/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of 19.81% is less than Guideline DTI of 38%<br>Borrower has stable job time - Borrower has 7.22 years on job. | C | A C | C | C | C | C | C B | A B | A B | A B | A B | A |
| 830 | XX |  | XX | XX | XX | XX | MD | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/14/2025 | Acknowledged | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of 75% exceeds Guideline HCLTV of 70% Per the Super Jumbo Matrix dated 9/XX/2025, the max LTV is 70%. |  |  | Exception provided: Subject in greater XX area and not considered rural. LTV exception approved. Acreage is acceptable and normal for the market. Comp factors: DTI > below program requirement, high discretionary income, 6 mos. reserves or greater, 5 Yrs in current job, COR 0x30 in 24 mos. 40 mos post closing reserves. Approved. | 11/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of 19.81% is less than Guideline DTI of 38%<br>Borrower has stable job time - Borrower has 7.22 years on job. | C | A C | C | C | C | C | C B | A B | A B | A B | A B | A |
| 830 | XX |  | XX | XX | XX | XX | MD | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/14/2025 | Acknowledged | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of 75% exceeds Guideline CLTV of 70% Per the Super Jumbo Matrix dated 9/XX/2025, the max LTV is 70%. |  |  | Exception provided: Subject in greater XX area and not considered rural. LTV exception approved. Acreage is acceptable and normal for the market. Comp factors: DTI > below program requirement, high discretionary income, 6 mos. reserves or greater, 5 Yrs in current job, COR 0x30 in 24 mos. 40 mos post closing reserves. Approved. | 11/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of 19.81% is less than Guideline DTI of 38%<br>Borrower has stable job time - Borrower has 7.22 years on job. | C | A C | C | C | C | C | C B | A B | A B | A B | A B | A |
| 830 | XX |  | XX | XX | XX | XX | MD | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/14/2025 | Acknowledged | FPRO3678 | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. Property identified as rural on XX acres. Per the Guidelines Rural properties are not allowed and acreage is limited to XX acres. | Document Uploaded. | 11/19/2025 | Exception provided: Acreage is acceptable and normal for the market. Comp factors: DTI > below program requirement, high discretionary income, 6 mos reserves or greater, 5 Yrs in current job, COR 0x30 in 24 mos. Approved. | 11/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of 19.81% is less than Guideline DTI of 38%<br>Borrower has stable job time - Borrower has 7.22 years on job. | C | A C | C | C | C | C | C B | A B | A B | A B | A B | A |
| 836 | XX |  | XX | XX | XX | XX | MD | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/13/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $3,412.69.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). TILA 130b Cure Required. Refund in the amount of $3,412.69; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $3412.69 is due to increase from $0 to $1699.99 Admin fee from LE 9/XX/2025 to LE 10/XX/2025, $0 to $200 Funding fee from LE 9/XX/2025 to LE 10/XX/2025, 2nd appraisal fee from 9/XX/2025 to FCD 11/XX/2025, credit report fee $150 to $162.7 from LE 9/XX/2025 to LE 10/XX/2025. A COC is required to determine if this was a valid change.<br>| Document Uploaded. | 11/17/2025 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 11/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of 19.81% is less than Guideline DTI of 38%<br>Borrower has stable job time - Borrower has 7.22 years on job. A | C | A C | C | C | C | C | C B | A B | A B | A B | A B | A |
| 836 | XX |  | XX | XX | XX | XX | FL | ATR/QM Exempt | Loan Review Complete | 08/19/2025 | Acknowledged | 9853376104 | Property | Missing, Inadequate, or Incomplete Project Document | Missing evidence validating that STR's are permitted in the property subject's location. Rental listing in file reflects property is being used as a short term rental. | XX: Exception waiver uploaded | 08/29/2025 | XX: Receive exception approval | 08/29/2025 | 6 months reserves greater than program requirement, VOR 0x30 in 24 months D B C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 836 | XX |  | XX | XX | XX | XX | FL | ATR/QM Exempt | Loan Review Complete | 08/19/2025 | Acknowledged | 9853671940 | Credit | DSCR Minimum Not Met | 0.96 < 1.00 minimum DSCR for STR Investor DSCR Program. $3,141.75 gross rents / $3,274.59 PITIA = 0.96 DSCR | XX: Exception waiver uploaded | 08/21/2025 | XX: Exception waiver received | 08/21/2025 | 6 months reserves greater than program requirement, VOR 0x30 in 24 months D B C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 836 | XX |  | XX | XX | XX | XX | FL | ATR/QM Exempt | Loan Review Complete | 08/19/2025 | Acknowledged | 9853674313 | Property | Ineligible Property | Short Term Rentals are not permitted for No Ratio Programs | XX: Exception waiver uploaded | 08/29/2025 | XX: Received exception approval | 08/29/2025 | 6 months reserves greater than program requirement, VOR 0x30 in 24 months D B C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 873 | XX |  | XX | XX | XX | XX | NJ | ATR/QM Exempt | Loan Review Complete | 08/28/2025 | Resolved | 92400186263-01 | 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 |
| 840 | XX |  | XX | XX | XX | XX | CA | ATR/QM Exempt | Loan Review Complete | 10/20/2025 | Resolved | 18227259350 | Credit | Title Insurance Missing or Defective | Provided Title Preliminary Policy with no coverage amount or mortgagee clause. Please provide a title supplement or updated Title Insurance to meet guideline requirements. | XX: Title uploaded | 10/21/2025 | XX: Received title | 10/21/2025 | 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 |
| 840 | XX |  | XX | XX | XX | XX | CA | ATR/QM Exempt | Loan Review Complete | 10/20/2025 | Resolved | 18227318564 | Credit | Subject Property Lease - Missing or Defective | Missing Lease Agreement for subject property located at: XX | XX: Lease uploaded | 10/21/2025 | XX: Received Lease | 10/21/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 875 | XX |  | XX | XX | XX | XX | CA | ATR/QM Exempt | Loan Review Complete | 10/21/2025 | Resolved | 92400191542-01 | 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 |
| 882 | XX |  | XX | XX | XX | XX | PA | ATR/QM Exempt | Loan Review Complete | 10/27/2025 | Resolved | 92400194968-01 | 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 |
| 866 | XX | XX | XX | XX | XX | XX | TX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | 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 763 is greater than Guideline minimum FICO of 740 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 866 | XX | XX | XX | XX | XX | XX | TX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | 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 763 is greater than Guideline minimum FICO of 740 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 866 | XX | XX | XX | XX | XX | XX | TX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 763 is greater than Guideline minimum FICO of 740 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 860 | XX | XX | XX | XX | XX | XX | TN | ATR/QM: Exempt | Loan Review Complete | 10/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 860 | XX | XX | XX | XX | XX | XX | TN | ATR/QM: Exempt | Loan Review Complete | 10/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 860 | XX | XX | XX | XX | XX | XX | TN | ATR/QM: Exempt | Loan Review Complete | 10/10/2025 | 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 |
| 868 | XX | XX | XX | XX | XX | XX | AZ | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 868 | XX | XX | XX | XX | XX | XX | AZ | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 868 | XX | XX | XX | XX | XX | XX | AZ | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | 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 |
| 867 | XX | XX | XX | XX | XX | XX | SC | ATR/QM: Exempt | Loan Review Complete | 10/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 867 | XX | XX | XX | XX | XX | XX | SC | ATR/QM: Exempt | Loan Review Complete | 10/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 867 | XX | XX | XX | XX | XX | XX | SC | ATR/QM: Exempt | Loan Review Complete | 10/10/2025 | 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 |
| 865 | XX | XX | XX | XX | XX | XX | FL | ATR/QM: Exempt | 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 739 is greater than Guideline minimum FICO of 720 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 865 | XX | XX | XX | XX | XX | XX | FL | ATR/QM: Exempt | 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 739 is greater than Guideline minimum FICO of 720 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 865 | XX | XX | XX | XX | XX | XX | FL | ATR/QM: Exempt | 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 739 is greater than Guideline minimum FICO of 720 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 853 | XX | XX | XX | XX | XX | XX | CA | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/09/2025 | 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 800 is greater than Guideline minimum FICO of 740<br>Qualifying DTI below max allowed. - Calculated DTI of 24.75% is less than Guideline DTI of 50%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 29.19% is less than Guideline CLTV of 90%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 29.19% is less than Guideline LTV of 90% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 853 | XX | XX | XX | XX | XX | XX | CA | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/09/2025 | 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 800 is greater than Guideline minimum FICO of 740<br>Qualifying DTI below max allowed. - Calculated DTI of 24.75% is less than Guideline DTI of 50%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 29.19% is less than Guideline CLTV of 90%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 29.19% is less than Guideline LTV of 90% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 853 | XX | XX | XX | XX | XX | XX | CA | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/09/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 800 is greater than Guideline minimum FICO of 740<br>Qualifying DTI below max allowed. - Calculated DTI of 24.75% is less than Guideline DTI of 50%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 29.19% is less than Guideline CLTV of 90%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 29.19% is less than Guideline LTV of 90% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 857 | XX | XX | XX | XX | XX | XX | FL | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | 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 58.33% is less than Guideline CLTV of 70%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 58.33% is less than Guideline LTV of 70% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 857 | XX | XX | XX | XX | XX | XX | FL | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | 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 58.33% is less than Guideline CLTV of 70%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 58.33% is less than Guideline LTV of 70% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 857 | XX | XX | XX | XX | XX | XX | FL | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.33% is less than Guideline CLTV of 70%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 58.33% is less than Guideline LTV of 70% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 858 | XX | XX | XX | XX | XX | XX | FL | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | 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 55.34% is less than Guideline CLTV of 70%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 55.34% is less than Guideline LTV of 70% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 858 | XX | XX | XX | XX | XX | XX | FL | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.34% is less than Guideline CLTV of 70%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 55.34% is less than Guideline LTV of 70% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 858 | XX | XX | XX | XX | XX | XX | FL | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | 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 55.34% is less than Guideline CLTV of 70%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 55.34% is less than Guideline LTV of 70% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 863 | XX | XX | XX | XX | XX | XX | VA | ATR/QM: Exempt | 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 737 is greater than Guideline minimum FICO of 720<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.82% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 69.82% is less than Guideline LTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 863 | XX | XX | XX | XX | XX | XX | VA | ATR/QM: Exempt | 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 737 is greater than Guideline minimum FICO of 720<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.82% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 69.82% is less than Guideline LTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 863 | XX | XX | XX | XX | XX | XX | VA | ATR/QM: Exempt | 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 737 is greater than Guideline minimum FICO of 720<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.82% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 69.82% is less than Guideline LTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 870 | XX | XX | XX | XX | XX | XX | FL | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | 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 810 is greater than Guideline minimum FICO of 740 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 870 | XX | XX | XX | XX | XX | XX | FL | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 810 is greater than Guideline minimum FICO of 740 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 870 | XX | XX | XX | XX | XX | XX | FL | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | 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 810 is greater than Guideline minimum FICO of 740 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 869 | XX | XX | XX | XX | XX | XX | AR | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | 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 |
| 869 | XX | XX | XX | XX | XX | XX | AR | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 869 | XX | XX | XX | XX | XX | XX | AR | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 851 | XX | XX | XX | XX | XX | XX | CA | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/14/2025 | 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 70% is less than Guideline CLTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 766 is greater than Guideline minimum FICO of 740<br>Borrower has stable job time - Borrower has 8.86 years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 851 | XX | XX | XX | XX | XX | XX | CA | ATR/QM: CDFI Lender Exempt | 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 70% is less than Guideline CLTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 766 is greater than Guideline minimum FICO of 740<br>Borrower has stable job time - Borrower has 8.86 years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 851 | XX | XX | XX | XX | XX | XX | CA | ATR/QM: CDFI Lender Exempt | 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 70% is less than Guideline CLTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 766 is greater than Guideline minimum FICO of 740<br>Borrower has stable job time - Borrower has 8.86 years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 852 | XX | XX | XX | XX | XX | XX | UT | ATR/QM: CDFI Lender Exempt | 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 810 is greater than Guideline minimum FICO of 740<br>Qualifying DTI below max allowed. - Calculated DTI of 39.04% is less than Guideline DTI of 55%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 18.18% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 18.18% is less than Guideline LTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 852 | XX | XX | XX | XX | XX | XX | UT | ATR/QM: CDFI Lender Exempt | 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 810 is greater than Guideline minimum FICO of 740<br>Qualifying DTI below max allowed. - Calculated DTI of 39.04% is less than Guideline DTI of 55%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 18.18% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 18.18% is less than Guideline LTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 852 | XX | XX | XX | XX | XX | XX | UT | ATR/QM: CDFI Lender Exempt | 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 810 is greater than Guideline minimum FICO of 740<br>Qualifying DTI below max allowed. - Calculated DTI of 39.04% is less than Guideline DTI of 55%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 18.18% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 18.18% is less than Guideline LTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 861 | XX | XX | XX | XX | XX | XX | MI | ATR/QM: Exempt | 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 811 is greater than Guideline minimum FICO of 740 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 861 | XX | XX | XX | XX | XX | XX | MI | ATR/QM: Exempt | 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 811 is greater than Guideline minimum FICO of 740 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 861 | XX | XX | XX | XX | XX | XX | MI | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | 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 811 is greater than Guideline minimum FICO of 740 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 859 | XX | XX | XX | XX | XX | XX | TX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 779 is greater than Guideline minimum FICO of 740 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 859 | XX | XX | XX | XX | XX | XX | TX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | 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 779 is greater than Guideline minimum FICO of 740 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 859 | XX | XX | XX | XX | XX | XX | TX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | 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 779 is greater than Guideline minimum FICO of 740 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 864 | XX | XX | XX | XX | XX | XX | VA | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 737 is greater than Guideline minimum FICO of 720 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 864 | XX | XX | XX | XX | XX | XX | VA | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | 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 737 is greater than Guideline minimum FICO of 720 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 864 | XX | XX | XX | XX | XX | XX | VA | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | 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 737 is greater than Guideline minimum FICO of 720 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 854 | XX | XX | XX | XX | XX | XX | HI | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/07/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has 11.61 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 726 is greater than Guideline minimum FICO of 660<br>Qualifying DTI below max allowed. - Calculated DTI of 40.28% is less than Guideline DTI of 55%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.7% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 50.7% is less than Guideline LTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 854 | XX | XX | XX | XX | XX | XX | HI | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 11.61 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 726 is greater than Guideline minimum FICO of 660<br>Qualifying DTI below max allowed. - Calculated DTI of 40.28% is less than Guideline DTI of 55%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.7% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 50.7% is less than Guideline LTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 854 | XX | XX | XX | XX | XX | XX | HI | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 11.61 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 726 is greater than Guideline minimum FICO of 660<br>Qualifying DTI below max allowed. - Calculated DTI of 40.28% is less than Guideline DTI of 55%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.7% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 50.7% is less than Guideline LTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 856 | XX | XX | XX | XX | XX | XX | WI | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/07/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has 6.32 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 856 | XX | XX | XX | XX | XX | XX | WI | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 6.32 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 856 | XX | XX | XX | XX | XX | XX | WI | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 6.32 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 855 | XX | XX | XX | XX | XX | XX | CA | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has 30.48 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 855 | XX | XX | XX | XX | XX | XX | CA | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 30.48 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 855 | XX | XX | XX | XX | XX | XX | CA | ATR/QM: Exempt | Loan Review Complete | 10/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 30.48 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 862 | XX | XX | XX | XX | XX | XX | CA | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts - Missing final CD or the Note, property taxes and HOI to verify PITIA for concurrent closing loan XX. Required per lender final approval. | Document Uploaded. | 10/15/2025 | Documentation is sufficient. Closing documents provided. Exception resolved.; All Fraud Report Alerts have been cleared or None Exist | 10/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 792 is greater than Guideline minimum FICO of 740 A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 862 | XX | XX | XX | XX | XX | XX | CA | ATR/QM: Exempt | 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 792 is greater than Guideline minimum FICO of 740 A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 862 | XX | XX | XX | XX | XX | XX | CA | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | 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 792 is greater than Guideline minimum FICO of 740 A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 871 | XX | XX | XX | XX | XX | XX | CA | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | FCRE7495 | Credit | Verification of Borrower Liabilities Missing or Incomplete | The Initial 1003 is Missing The file does not contain a copy of the initial 1003. | Document Uploaded. | 10/15/2025 | Documentation is sufficient. Closing documents provided. Exception resolved. | 10/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 802 is greater than Guideline minimum FICO of 740 D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 871 | XX | XX | XX | XX | XX | XX | CA | ATR/QM: Exempt | Loan Review Complete | 10/13/2025 | 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 802 is greater than Guideline minimum FICO of 740 D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 871 | XX | XX | XX | XX | XX | XX | CA | ATR/QM: Exempt | 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 802 is greater than Guideline minimum FICO of 740 D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 838 | XX | XX | XX | XX | XX | XX | NJ | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 25.79% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 3.57 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 838 | XX | XX | XX | XX | XX | XX | NJ | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/22/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 25.79% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 3.57 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 838 | XX | XX | XX | XX | XX | XX | NJ | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 25.79% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 3.57 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 837 | XX | XX | XX | XX | XX | XX | CA | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 10.19 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 10.54% is less than Guideline DTI of 55%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.21% is less than Guideline CLTV of 70%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 59.21% is less than Guideline LTV of 70% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 837 | XX | XX | XX | XX | XX | XX | CA | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 10.19 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 10.54% is less than Guideline DTI of 55%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.21% is less than Guideline CLTV of 70%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 59.21% is less than Guideline LTV of 70% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 837 | XX | XX | XX | XX | XX | XX | CA | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has 10.19 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 10.54% is less than Guideline DTI of 55%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.21% is less than Guideline CLTV of 70%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 59.21% is less than Guideline LTV of 70% A | A | A | A | A | A | A | A | A | A | A | A | A |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan ID** | **ALT Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **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** |
| 834 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 05-XX-2025 | 1004 URAR | XX | 80.00 | 80.00 |  |  |  |  | XX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Low Risk | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 835 | XX |  |  | 06-XX-2025 | XX | XX | 0 | XX | 05-XX-2025 | 1004 URAR | XX | 56.76 | 56.76 | XX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Moderate Risk | 05-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 833 | XX |  |  | 07-XX-2025 | XX |  | 0 | XX | 06-XX-2025 | 1004 URAR | XX | 79.65 | 79.65 | XX | XX | -.0693 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | -.0693 | XX | Moderate Risk | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 874 | XX |  |  | 09-XX-2025 | XX |  | 0 | XX | 06-XX-2025 | 1004 URAR | XX | 65.00 | 65.00 | XX | XX | -.2261 | AVM |  |  |  |  |  |  |  |  |  | XX | XX | -.2261 | 89.0 | 0.11 | XX | XX | 07/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .000 | 4 | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 |  |
| 876 | XX |  |  | 10-XX-2025 | XX | XX | 0 | XX | 08-XX-2025 | 1073 Individual Condo Report | XX | 70.00 | 70.00 | XX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 829 | XX |  |  | 10-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | 75.00 | 75.00 | XX | XX | -.0243 | AVM |  |  |  |  |  |  |  |  |  | XX | XX | -.0243 | 97.0 | 0.03 | XX | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 827 | XX |  |  | 10-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | 85.00 | 85.00 | XX | XX | -.0178 | AVM |  |  |  |  |  |  |  |  |  | XX | XX | -.0178 | 95.0 | 0.05 | XX | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 831 | XX |  |  | 10-XX-2025 | XX |  | 0 | XX | 05-XX-2025 | 1073 Individual Condo Report | XX | 57.01 | 57.01 | XX | XX | -.0417 | AVM |  |  |  |  |  |  |  |  |  | XX | XX | -.0417 | 94.0 | 0.06 | XX | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 872 | XX |  |  | 10-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | 70.00 | 70.00 | XX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 880 | XX |  |  | 10-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | 85.00 | 85.00 | XX | XX | .0682 | AVM |  |  |  |  |  |  |  |  |  | XX | XX | .0682 | 96.0 | 0.04 | XX | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 879 | XX |  |  | 10-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | 80.00 | 80.00 | XX | XX | .0597 | AVM |  |  |  |  |  |  |  |  |  | XX | XX | .0597 | 98.0 | 0.02 | XX | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 850 | XX |  |  | 10-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1073 Individual Condo Report | XX | 44.90 | 44.90 | XX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 843 | XX |  |  | 10-XX-2025 | XX |  | 0 | XX | 09-XX-2025 | 1004 URAR | XX | 60.00 | 60.00 | XX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 877 | XX |  |  | 10-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1025 Small Residential Income Report | XX | 75.00 | 75.00 | XX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 845 | XX |  |  | 10-XX-2025 | XX |  | 0 | XX | 09-XX-2025 | 1004 URAR | XX | 75.00 | 75.00 | XX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 881 | XX |  |  | 10-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 841 | XX |  |  | 10-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | 60.00 | 60.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 878 | XX |  |  | 10-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | 80.00 | 80.00 | XX | XX | -.0310 | AVM |  |  |  |  |  |  |  |  |  | XX | XX | -.0310 | 91.0 | 0.09 | XX | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 849 | XX |  |  | 10-XX-2025 | XX |  | 0 | XX | 08-XX-2025 | 1004 URAR | XX | 53.14 | 53.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 847 | XX |  |  | 10-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | 22.22 | 22.22 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 828 | XX |  |  | 10-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | 80.00 | 80.00 | XX | XX | -.0069 | AVM |  |  |  |  |  |  |  |  |  | XX | XX | -.0069 | 97.0 | 0.03 | XX | XX | 09/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 844 | XX |  |  | 10-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | 65.00 | 65.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 842 | XX |  |  | 10-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1073 Individual Condo Report | XX | 80.00 | 80.00 | XX | XX | -.2456 | AVM |  |  |  |  |  |  |  |  |  | XX | XX | -.2456 | 89.0 | 0.11 | XX | XX | 11/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 846 | XX |  |  | 10-XX-2025 | XX |  | 0 | XX | 09-XX-2025 | 1004 URAR | XX | 56.58 | 56.58 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 832 | XX |  |  | 11-XX-2025 | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | 20.00 | 20.00 | XX | XX | .1536 | AVM |  |  |  |  |  |  |  |  |  | XX | XX | .1536 | 2.0 | 0.98 | XX | XX | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 830 | XX |  |  | 11-XX-2025 | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | 75.00 | 75.00 |  |  |  |  |  |  |  |  | XX | 0 | .0000 | 10-XX-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 |  |
| 836 | XX |  |  | 7-XX-2025 | XX | XX | 0 | XX | 6-XX-2025 | 1004 | XX | 75.00 | 75.00 | XX | 0 | .0000 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Moderate Risk | 7-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 873 | XX |  |  | 8-XX-2025 | XX |  | 0 | XX | 6-XX-2025 | 1025 | XX | 72.28 | 72.28 | XX | 0 | .0000 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Moderate Risk | 8/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 840 | XX |  |  | 10-XX-2025 | XX |  | 0 | XX | 9-XX-2025 | 1004 | XX | 70.00 | 70.00 | XX | 0 | .0000 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Moderate Risk | 10/XX/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| 875 | XX |  |  | 10-XX-2025 | XX |  | 0 | XX | 9-XX-2025 | 1004 | XX | 78.41 | 78.41 | XX | XX | -.0825 | AVM |  |  |  |  |  |  |  |  |  | XX | XX | -.0825 | 94.0 | 0.06 | XX |  | 9-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 882 | XX |  |  | 10-XX-2025 | XX | XX | 0 | XX | 9-XX-2025 | 1004 | XX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 866 | XX | XX |  | 10-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | 80.00 | 80.00 | XX | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Adequate | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 860 | XX | XX |  | 09-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | 80.00 | 80.00 | XX | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Adequate | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| 868 | XX | XX |  | 10-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | 80.00 | 80.00 | XX | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Adequate | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| 867 | XX | XX |  | 09-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | 80.00 | 80.00 | XX | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX |  | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 865 | XX | XX |  | 09-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | 80.00 | 80.00 | XX | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Adequate | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| 853 | XX | XX |  | 09-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | 29.19 | 29.19 | XX | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Adequate | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 857 | XX | XX |  | 09-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | 58.33 | 58.33 | XX | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Adequate | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 858 | XX | XX |  | 09-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | 55.34 | 55.34 | XX | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Adequate | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 863 | XX | XX |  | 09-XX-2025 | XX |  | 0 | XX | 09-XX-2025 | 1004 URAR | XX | 69.82 | 69.82 | XX | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Adequate | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 870 | XX | XX |  | 10-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1004 URAR | XX | 80.00 | 80.00 | XX | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Adequate | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 869 | XX | XX |  | 09-XX-2025 | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | 80.00 | 80.00 | XX | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Adequate | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 851 | XX | XX |  | 10-XX-2025 | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | 70.00 | 70.00 | XX | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Adequate | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.7 |  |
| 852 | XX | XX |  | 09-XX-2025 | XX |  | 0 | XX | 09-XX-2025 | 1073 Individual Condo Report | XX | 18.18 | 18.18 | XX | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Adequate | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 861 | XX | XX |  | 10-XX-2025 | XX |  | 0 | XX | 08-XX-2025 | 1004 URAR | XX | 75.00 | 75.00 | XX | XX | .0054 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | .005 | XX | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 859 | XX | XX |  | 10-XX-2025 | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | 80.00 | 80.00 | XX | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Adequate | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 864 | XX | XX |  | 09-XX-2025 | XX |  | 0 | XX | 09-XX-2025 | 1004 URAR | XX | 80.00 | 80.00 | XX | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Adequate | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 854 | XX | XX |  | 09-XX-2025 | XX |  | 0 | XX | 08-XX-2025 | 1004 URAR | XX | 50.70 | 50.70 | XX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Low Risk | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 856 | XX | XX |  | 09-XX-2025 | XX |  | 0 | XX | 08-XX-2025 | 1004 URAR | XX | 69.28 | 69.28 | XX | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Adequate | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 855 | XX | XX |  | 10-XX-2025 | XX |  | 0 | XX | 06-XX-2025 | 1004 URAR | XX | 64.97 | 64.97 | XX | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Adequate | 06-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 862 | XX | XX |  | 09-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1025 Small Residential Income Report | XX | 80.00 | 80.00 | XX | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Adequate | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 871 | XX | XX |  | 09-XX-2025 | XX | XX | 0 | XX | 09-XX-2025 | 1025 Small Residential Income Report | XX | 78.25 | 78.25 | XX | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Adequate | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 838 | XX | XX |  | 09-XX-2025 | XX | XX | 0 | XX | 08-XX-2025 | 1004 URAR | XX | 75.00 | 75.00 | XX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 837 | XX | XX |  | 09-XX-2025 | XX |  | 0 | XX | 08-XX-2025 | 1004 URAR | XX | 59.21 | 59.21 | XX | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 | .0000 | XX | Adequate | 08-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 4**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan ID** | **ALT Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 834 | XX |  | Property Value | XX | XX | Per appraisal. |
| 834 | XX |  | MIN No | XX | XX | Per Deed/Mortgage |
| 834 | XX |  | Qualifying All Borrower Residual Income | 16878.66 | 20733.10 | $2,650 residual income is required per NQMF guidelines. |
| 835 | XX |  | Property Value | XX | XX | Appraisal |
| 835 | XX |  | Application Date | XX | XX | E-Consent |
| 835 | XX |  | Qualifying All Borrower Residual Income | 20381.37 | 33247.71 | Income and liabilities |
| 833 | XX |  | MIN No | XX | XX | Verified to Mortgage |
| 833 | XX |  | Qualifying All Borrower Residual Income | 5858.75 | 9700.90 | Based on verified income and total debt |
| 874 | XX |  | ULI | XX | XX | Verified with the final 1003 |
| 874 | XX |  | Application Date | XX | XX | Verified with the initial 1003 |
| 874 | XX |  | Qualifying Total Reserves Number of Months | 43.85 | 43.54 | Verified with the cash out |
| 874 | XX |  | Qualifying All Borrower Residual Income | 5371.9 | 6805.07 | Verified with the income and liabilities |
| 876 | XX |  | Property Value | XX | XX | Lower Purchase Price used to qualify. |
| 876 | XX |  | Application Date | XX | XX | Verified with the initial 1003 |
| 876 | XX |  | Qualifying Total Reserves Number of Months | 10.3 | 9.57 | Verified with the most recent asset statement |
| 876 | XX |  | Qualifying All Borrower Residual Income | 37359.93 | 46513.87 | Verified with the income and liabilties |
| 829 | XX |  | Property Value | XX | XX | Verified to appraised value vs. purchase price. |
| 829 | XX |  | Qualifying Total Reserves Number of Months | 105.36 | 40.31 | Verified via asset documentation provided. |
| 829 | XX |  | Qualifying All Borrower Residual Income | 22210.73 | 22751.97 | Qualifying residual income verified via income and credit documentation. |
| 827 | XX |  | Property Value | XX | XX | Per Appraisal |
| 827 | XX |  | Qualifying Total Reserves Number of Months | 62.73 | 62.91 | Per asset documentation verifying assets stated on the Final 1003. |
| 827 | XX |  | Qualifying All Borrower Residual Income | 86682.19 | 87738.19 | Per monthly verified income minus total verified monthly debt |
| 831 | XX |  | Qualifying Total Reserves Number of Months | 3.48 | 3.02 | Verified to assets |
| 831 | XX |  | Qualifying All Borrower Residual Income | 5516.84 | 6622.87 | Based on verified income and total debts |
| 872 | XX |  | MIN No | XX | XX | updated per DOT/mortgage in the file. |
| 872 | XX |  | Qualifying All Borrower Residual Income | 12236.03 | 14952.52 | updated per income and liablities, residual was not required but calculated and met any guidelines. |
| 880 | XX |  | ULI | XX | XX | updated per final 1003 |
| 880 | XX |  | Property County | XX | XX | updated per mortgage/DOT |
| 880 | XX |  | MIN No | XX | XX | updated per mortgage/DOT |
| 880 | XX |  | Application Date | XX | XX | updated per initial 1003 |
| 880 | XX |  | Qualifying Total Reserves Number of Months | 6.51 | 4.46 | updated per asset statements |
| 880 | XX |  | Qualifying All Borrower Residual Income | 7284.62 | 3449.12 | updated per income and liabilities - residual not required per guidelines |
| 879 | XX |  | MIN No | XX | XX | Per Note |
| 879 | XX |  | Property Value | XX | XX | Using Purchase price as property value since it is lower than the appraised value |
| 879 | XX |  | Application Date | XX | XX | Per initial 1003 |
| 879 | XX |  | ULI | XX | XX | Per final 1003 |
| 879 | XX |  | Qualifying Total Reserves Number of Months | 72.65 | 66.34 | Per assets |
| 879 | XX |  | Qualifying All Borrower Residual Income | 15338.89 | 15749.27 | Per monthly income less all debts |
| 850 | XX |  | MIN No | XX | XX | Per Note |
| 850 | XX |  | Verified Doc Type | Asset Utilization (No DTI) | Other | Per lock |
| 850 | XX |  | Qualifying All Borrower Residual Income | -5903.1 | -4563.06 | Per guidelines not required |
| 843 | XX |  | MIN No | XX | XX | Per Note |
| 843 | XX |  | Application Date | XX | XX | Per initial 1003/Intent to Proceed |
| 843 | XX |  | Qualifying All Borrower Residual Income | 8725.08 | 11650.27 | Per monthly income less all debts |
| 877 | XX |  | ULI | XX | XX | Verified with the final 1003 |
| 877 | XX |  | Prepayment Penalty Total Term | 0 | 60 | The file is missing the Prepayment Note addendum to accurately capture the PPP information. |
| 877 | XX |  | MIN No | XX | XX | Verified with the Security Instrument |
| 877 | XX |  | Qualifying Total Reserves Number of Months | 9.76 | 4.63 | Verified with the most recent asset statements. |
| 877 | XX |  | Prepayment Penalty | No | Yes | The file is missing the Prepayment Note addendum to accurately capture the PPP information. |
| 877 | XX |  | Qualifying All Borrower Residual Income | 9482.6 | 12049.34 | Verified with the Income and liabilities |
| 845 | XX |  | Application Date | XX | XX | Per initial loan application LO signature date |
| 845 | XX |  | Verified Doc Type | Business P&L | 2YR Business P&L | Per Deal Guide when P&L with bank statements |
| 845 | XX |  | Qualifying All Borrower Residual Income | 29079.1 | 34552.31 | Per monthly verified income minus total verified monthly debt |
| 881 | XX |  | MIN No | XX | XX | Verified by the mortgage |
| 881 | XX |  | Qualifying Total Reserves Number of Months | 10.17 | 8.17 | Verified by the assets |
| 881 | XX |  | Qualifying All Borrower Residual Income | 1615.51 | 1724.07 | Verified by the income and debt |
| 841 | XX |  | MIN No | XX | XX | Verified to Deed |
| 841 | XX |  | Property Value | XX | XX | Verified to appraised value vs purchase price |
| 841 | XX |  | Verified Doc Type | Asset Depletion – Total Asset Calculation | Other | Verified to lock andloan approval |
| 841 | XX |  | Qualifying All Borrower Residual Income | -4216.98 | -3354.10 | Verified to FDAQ program, not required |
| 878 | XX |  | ULI | XX | XX | Confirmed with Final 1003. |
| 878 | XX |  | Property Value | XX | XX | Confirmed with Appraisal Report. |
| 878 | XX |  | MIN No | XX | XX | Confirmed with Deed of Trust. |
| 878 | XX |  | Property Type | PUD | Single Family Detached | Confirmed with Appraisal Report. |
| 878 | XX |  | Qualifying Total Reserves Number of Months | 9.1 | 8.77 | Confirmed with bank statements provided. |
| 878 | XX |  | Qualifying All Borrower Residual Income | 3859.29 | 4920.39 | Confirmed with bank statements provided for income verification and Credit Report. Audited income was lower than Lender's income due to Lender including deposits that were actually refunds. |
| 849 | XX |  | MIN No | XX | XX | Verified to Deed |
| 849 | XX |  | Verified Doc Type | Asset Depletion – Total Asset Calculation | Other | Verified to lock and loan approval |
| 849 | XX |  | Qualifying All Borrower Residual Income | -4993.53 | -3984.51 | Verified to FDAQ program, not required |
| 847 | XX |  | MIN No | XX | XX | The audited MIN is correct per review |
| 847 | XX |  | Verified Doc Type | Asset Utilization (No DTI) | Other | The verification type is asset utilization - no DTI |
| 847 | XX |  | Qualifying FICO | 803 | 784 | Highest qual fico, FDAQ |
| 847 | XX |  | Qualifying All Borrower Residual Income | -4819.02 | -1588.95 | There is no residual income requirement |
| 828 | XX |  | Qualifying Total Reserves Number of Months | 119.99 | 118.70 | Verified with the most recent asset statements |
| 828 | XX |  | Qualifying All Borrower Residual Income | 7878.24 | 9844.52 | Verified with the income and liabilities |
| 844 | XX |  | MIN No | XX | XX | Per Note |
| 844 | XX |  | Verified Doc Type | Asset Utilization (No DTI) | Other | Per Lock |
| 844 | XX |  | Qualifying All Borrower Residual Income | -2318.33 | -2548.21 | Per guidelines not required |
| 842 | XX |  | MIN No | XX | XX | per mortgage |
| 842 | XX |  | Property Value | XX | XX | per appraisal |
| 842 | XX |  | Qualifying All Borrower Residual Income | 1939.31 | 2044.80 | mapping issue |
| 846 | XX |  | Maturity Date | XX | XX | Verified to Note |
| 846 | XX |  | First Payment Date | XX | XX | Verified to Note |
| 846 | XX |  | MIN No | XX | XX | Verified to Deed |
| 846 | XX |  | Verified Doc Type | Asset Depletion – Total Asset Calculation | Other | Verified to lock and loan approval |
| 846 | XX |  | Qualifying All Borrower Residual Income | -11423.99 | -9523.35 | Verified to FDAQ program, not required |
| 832 | XX |  | Qualifying Total Reserves Number of Months | 0 | 70.18 | Verified to assets |
| 832 | XX |  | Qualifying All Borrower Residual Income | 105287.83 | 109078.82 | Based on verified income and total debts |
| 830 | XX |  | Qualifying Total Reserves Number of Months | 77.58 | 76.51 | Verified with the most recent asset statements. |
| 830 | XX |  | Qualifying All Borrower Residual Income | 225809.49 | 245673.21 | Verified with the income and liabilities |
| 836 | XX |  | T & I Payment | $731.20 | $136.00 | Taxes $483.82 + Insurance $135.38 + $112.00 HOA = 731.20 T&I |
| 836 | XX |  | Origination Date | XX | XX | Note date 7/XX/2025 |
| 836 | XX |  | First Pymt Date | XX | XX | First Pymt date 9/XX/2025 |
| 836 | XX |  | Maturity Date | XX | XX | Maturity date 8/XX/2055 |
| 840 | XX |  | Prepayment Penalty | 60 |  | PPP TERM 60 |
| 875 | XX |  | Prepayment Penalty | 12 | 24 | PPP term is 12 month |
| 866 | XX | XX | Originator Doc Type | Debt Service Coverage Ratio | Other | Per loan approval |
| 866 | XX | XX | Qualifying Total Reserves Number of Months | 35 | 13.00 | Per current asset statements |
| 866 | XX | XX | Total Qualified Assets Available | 164182.85 | 770182.85 | Per asset statements minus reserves |
| 866 | XX | XX | Qualifying Total Monthly Liabilities | 2982 | 3539.34 | Per liabilities from credit report, DSCR loan no DTI |
| 866 | XX | XX | Borrower Appraisal Receipt Date | XX | XX | Per appraisal |
| 860 | XX | XX | Originator Doc Type | Debt Service Coverage Ratio | Other | Per approval |
| 860 | XX | XX | Qualifying Total Reserves Number of Months | 20.86 | 19.00 | Per asset docs |
| 860 | XX | XX | Total Qualified Assets Available | 134579.69 | 824579.69 | Per asset docs |
| 860 | XX | XX | Qualifying Total Monthly Liabilities | 1359 | 8174.53 | Per credit docs |
| 860 | XX | XX | Borrower Appraisal Receipt Date | XX | XX | Per appraisal receipt |
| 868 | XX | XX | Cash Disbursement Date | XX | XX | Taken from final CD |
| 868 | XX | XX | Originator Doc Type | Debt Service Coverage Ratio | Other | DSCR per loan approval |
| 868 | XX | XX | Total Qualified Assets Available | 182543.04 | 1133643.04 | Taken from assets in file |
| 868 | XX | XX | Qualifying Total Reserves Number of Months | 12.33 | 15.00 | Taken from assets in file |
| 868 | XX | XX | Qualifying Total Monthly Liabilities | 3445.74 | 4137.09 | Calculated based on documents provided |
| 868 | XX | XX | Borrower Appraisal Receipt Date | XX | XX | Taken from appraisal receipt date |
| 867 | XX | XX | Originator Doc Type | Debt Service Coverage Ratio | Other | DSCR loan per loan approval |
| 867 | XX | XX | Total Qualified Assets Available | 72092.31 | 124092.31 | Taken from assets provided |
| 867 | XX | XX | Qualifying Total Reserves Number of Months | 9.16 | 13.00 | Taken from assets |
| 867 | XX | XX | Qualifying Total Monthly Liabilities | 748 | 836.08 | Calculated based on docs provided |
| 867 | XX | XX | Borrower Appraisal Receipt Date | XX | XX | Taken from appraisal receipt |
| 865 | XX | XX | Originator Doc Type | Debt Service Coverage Ratio | Other | DSCR loan, drop down box updated |
| 865 | XX | XX | Total Qualified Assets Available | 186235.38 | 698330.94 | Most recent assets, both checking/savings |
| 865 | XX | XX | Total Liquid Assets Available For Close | 186235.38 | 186330.94 | Most recent assets, both checking/savings |
| 865 | XX | XX | Qualifying Total Reserves Number of Months | 28.92 | 24.00 | Most recent assets, both checking/savings |
| 865 | XX | XX | Qualifying Total Monthly Liabilities | 3790.91 | 4126.80 | Qualifying debt excluding adding rent loss to income screen, DSCR loan |
| 865 | XX | XX | Borrower Appraisal Receipt Date | XX | XX | Appraisal receipt date updated |
| 853 | XX | XX | Cash Disbursement Date | XX | XX | Cash disbursement date verifed. |
| 853 | XX | XX | Originator Doc Type | Asset Depletion – Debt Ratio Calculation | ALT DOC | Doc type selected from drop down. |
| 853 | XX | XX | Property Type | Single Family Detached | PUD | Property type verified via Appraisal report. |
| 853 | XX | XX | Qualifying Total Reserves Number of Months | 462.56 | 434.00 | Reserves verifiefd. |
| 853 | XX | XX | Total Qualified Assets Available | 5869595.37 | 6010854.28 | Assets verified. |
| 853 | XX | XX | Total Liquid Assets Available For Close | 5869595.37 | 5915854.28 | Liquid assets verified via asset docs. |
| 853 | XX | XX | Qualifying Total Monthly Liabilities | 10780.74 | 11470.74 | Liabilities verified. |
| 853 | XX | XX | Borrower Appraisal Receipt Date | XX | XX | Appraisal receipt date verified. |
| 857 | XX | XX | Sales Price | XX | XX | Per updated purchase contract |
| 857 | XX | XX | Originator Doc Type | Debt Service Coverage Ratio | Other | Per loan approval |
| 857 | XX | XX | Qualifying LTV | 58.33 | 58.34 | Rounding |
| 857 | XX | XX | Qualifying CLTV | 58.33 | 58.34 | Rounding |
| 857 | XX | XX | Total Qualified Assets Available | 255711.73 | 303711.73 | Per asset statements minus reserves |
| 857 | XX | XX | Qualifying Total Reserves Number of Months | 16.25 | 29.00 | Per asset statements minus reserves |
| 857 | XX | XX | Calculated DSCR | 0.927 | 1.0001 | Per DSCR calculation: $2,600 market rent/ $2,749.62 PITIA= 0.946 DSCR |
| 857 | XX | XX | Borrower Appraisal Receipt Date | XX | XX | Per desk review |
| 858 | XX | XX | Originator Doc Type | Debt Service Coverage Ratio | Other | Per loan approval |
| 858 | XX | XX | Qualifying Total Reserves Number of Months | 89.97 | 18.00 | Per current asset statements in addition to cash out |
| 858 | XX | XX | Total Qualified Assets Available | 265403.36 | 319403.36 | Per asset statements minus reserves |
| 858 | XX | XX | Borrower Appraisal Receipt Date | XX | XX | Per desk review |
| 863 | XX | XX | Originator Doc Type | Debt Service Coverage Ratio | Other | Per approval |
| 863 | XX | XX | Qualifying Total Reserves Number of Months | 88.73 | 89.00 | Per asset docs |
| 863 | XX | XX | Total Qualified Assets Available | 95359.69 | 1065359.69 | Per asset docs |
| 863 | XX | XX | Total Liquid Assets Available For Close | 95359.69 | 95857.42 | Per asset docs |
| 863 | XX | XX | Qualifying Total Monthly Liabilities | 15389 | 15657.53 | Per credit docs |
| 870 | XX | XX | Originator Doc Type | Debt Service Coverage Ratio | Other | Doc type selected from drop down. |
| 870 | XX | XX | Qualifying Total Reserves Number of Months | 82.69 | 80.00 | Reserves verified. |
| 870 | XX | XX | Total Liquid Assets Available For Close | 275479.74 | 270479.74 | Liquid assets verified. |
| 870 | XX | XX | Total Qualified Assets Available | 275479.74 | 937481.58 | Assets verified. |
| 870 | XX | XX | Qualifying Total Monthly Liabilities | 1723 | 3704.29 | DSCR loan product. |
| 870 | XX | XX | Borrower Appraisal Receipt Date | XX | XX | Appraisal receipt date verified. |
| 869 | XX | XX | Originator Doc Type | Debt Service Coverage Ratio | Other | Doc type selected from drop down. |
| 869 | XX | XX | Qualifying Total Reserves Number of Months | 36.72 | 36.00 | Reserves verified. |
| 869 | XX | XX | Qualifying Total Monthly Liabilities | 6685 | 1836.00 | DSCR loan product. |
| 869 | XX | XX | Borrower Appraisal Receipt Date | XX | XX | Appraisal receipt date verified. |
| 851 | XX | XX | Cash Disbursement Date | XX | XX | Per final CD |
| 851 | XX | XX | Originator Doc Type | 1YR Full Doc | ALT DOC | Per loan approval |
| 851 | XX | XX | Total Liquid Assets Available For Close | 254151.16 | 1359927.22 | Per asset statements minus reserves |
| 851 | XX | XX | Total Qualified Assets Available | 1369854.05 | 1397427.22 | Per asset statements minus reserves |
| 851 | XX | XX | Qualifying Total Reserves Number of Months | 155.18 | 137.00 | Per current asset statements |
| 851 | XX | XX | Qualifying Total Monthly Liabilities | 9407.5 | 9406.76 | Rounding |
| 851 | XX | XX | Borrower Appraisal Receipt Date | XX | XX | Per desk review |
| 852 | XX | XX | Borrower 1 Qualifying Income | 3429.6 | 3477.09 | Per income documentation |
| 852 | XX | XX | Originator Doc Type | Asset Depletion – Debt Ratio Calculation | ALT DOC | Per Loan Approval |
| 852 | XX | XX | Total Liquid Assets Available For Close | 131332.77 | 60388.00 | Per asset documentation and cash out |
| 852 | XX | XX | Total Qualified Assets Available | 131332.77 | 550000.00 | Per asset documentation and cash out |
| 852 | XX | XX | Qualifying Total Reserves Number of Months | 175.96 | 14.00 | Per asset documentation and cash out, and, housing expense |
| 852 | XX | XX | Qualifying Total Monthly Liabilities | 1338.94 | 1348.94 | HOA dues were $10.00 less than Lender Calculation |
| 852 | XX | XX | Borrower Appraisal Receipt Date | XX | XX | Per Appraisal Receipt Disclosure |
| 861 | XX | XX | Originator Doc Type | Debt Service Coverage Ratio | Other | DSCR loan, drop down box updated |
| 861 | XX | XX | Reviewed Appraised Property Value | XX | XX | Field review value at $XX, went with lower value |
| 861 | XX | XX | Qualifying Total Reserves Number of Months | 5.83 | 5.00 | Cash out funds used for reserves |
| 861 | XX | XX | Qualifying Total Monthly Liabilities | 2396 | 2856.00 | Total liabilites including bwr primary residence |
| 861 | XX | XX | Borrower Appraisal Receipt Date | XX | XX | Appraisal receipt date updated |
| 859 | XX | XX | Originator Doc Type | Debt Service Coverage Ratio | Other | DSCR per loan approval |
| 859 | XX | XX | Qualifying Total Reserves Number of Months | 66.63 | 18.00 | Taken from assets in file |
| 859 | XX | XX | Total Liquid Assets Available For Close | 174272.8 | 166688.00 | Taken from assets |
| 859 | XX | XX | Total Qualified Assets Available | 174272.8 | 1408389.55 | Taken from assets in file |
| 859 | XX | XX | Qualifying Total Monthly Liabilities | 2781 | 6644.00 | Calculated based on documents provided |
| 859 | XX | XX | Borrower Appraisal Receipt Date | XX | XX | Taken from appraisal receipt |
| 864 | XX | XX | Originator Doc Type | Debt Service Coverage Ratio | Other | DSCR loan, drop down box updated |
| 864 | XX | XX | Total Liquid Assets Available For Close | 95359.69 | 96417.03 | Updated asset statement |
| 864 | XX | XX | Total Qualified Assets Available | 95359.69 | 228359.69 | Updated asset statement |
| 864 | XX | XX | Qualifying Total Reserves Number of Months | 105.26 | 97.00 | Updated asset statement used for reserves |
| 864 | XX | XX | Qualifying Total Monthly Liabilities | 13842 | 10979.77 | Updated liabilities for both borrowers, including both primary residences |
| 864 | XX | XX | Borrower Appraisal Receipt Date | XX | XX | Appraisal receipt date updated |
| 854 | XX | XX | All Borrower Total Income | 14370.57 | 5635.27 | Per bank statement income for both borrowers |
| 854 | XX | XX | Borrower 1 Total Years Employment/Self-Employment Verified | 24+ Months | 12-23 Months | Per loan approval |
| 854 | XX | XX | Originator Doc Type | 12 Month Bank Statement | ALT DOC | Per loan approval |
| 854 | XX | XX | Cash out Include Debt Paid at Close | 703690.97 | 63843.82 | Per final CD cash out used for reserves |
| 854 | XX | XX | Qualifying Total Reserves Number of Months | 10.72 | 10.00 | Rounding |
| 854 | XX | XX | Qualifying Total Monthly Liabilities | 5788.66 | 5788.68 | Rounding |
| 854 | XX | XX | Borrower Appraisal Receipt Date | XX | XX | Per desk review |
| 856 | XX | XX | Originator Doc Type | 2YR Full Doc | ALT DOC | 2 year full doc loan, drop down box updated |
| 856 | XX | XX | Cash out Include Debt Paid at Close | 108258.54 | 81167.90 | Cash out included debts paid and cash to bwr |
| 856 | XX | XX | Qualifying Total Reserves Number of Months | 16.37 | 16.00 | Cash out to bwr used as reserves |
| 856 | XX | XX | Qualifying Total Monthly Liabilities | 4959.82 | 4959.83 | Accurate total, .01 rounded from HOI |
| 856 | XX | XX | Borrower Appraisal Receipt Date | XX | XX | Appraisal receipt date updated |
| 855 | XX | XX | Originator Doc Type | 12 Month Bank Statement | ALT DOC | Doc type selected from drop down. |
| 855 | XX | XX | Qualifying Total Reserves Number of Months | 36.48 | 37.00 | Reserves verified. |
| 855 | XX | XX | Qualifying Total Monthly Liabilities | 64777.73 | 65856.86 | Liabilities verified via credit report and REO's. |
| 855 | XX | XX | Borrower Appraisal Receipt Date | XX | XX | Appraisal receipt date verified. |
| 855 | XX | XX | Lock Term (Days) | -102 | 105 | Lock term verified. |
| 862 | XX | XX | Cash Disbursement Date | XX | XX | Per CD |
| 862 | XX | XX | Originator Doc Type | Debt Service Coverage Ratio | Other | Per approval |
| 862 | XX | XX | Total Qualified Assets Available | 291781.02 | 622720.79 | Per asset docs |
| 862 | XX | XX | Qualifying Total Reserves Number of Months | 48.17 | 48.00 | Per asset docs |
| 862 | XX | XX | Qualifying Total Monthly Liabilities | 9364 | 15701.27 | Per credit docs |
| 862 | XX | XX | Borrower Appraisal Receipt Date | XX | XX | Per appraisal receipt |
| 871 | XX | XX | Cash Disbursement Date | XX | XX | Cash disbursement date verified. |
| 871 | XX | XX | Originator Doc Type | Debt Service Coverage Ratio | Other | Doc type selected from drop down. |
| 871 | XX | XX | Qualifying Total Reserves Number of Months | 34.47 | 33.00 | Reserves veriied. |
| 871 | XX | XX | Total Qualified Assets Available | 245560.23 | 1829060.23 | Assets verified. |
| 871 | XX | XX | Total Liquid Assets Available For Close | 245560.23 | 244060.23 | Liquid assets verified. |
| 871 | XX | XX | Qualifying Total Monthly Liabilities | 3996 | 10240.72 | DSCR loan product. |
| 871 | XX | XX | Borrower Appraisal Receipt Date | XX | XX | Appraisal receipt date verified. |
| 838 | XX | XX | Total Qualified Assets Available | 568417.42 | 1213417.42 | Per asset documentation |
| 838 | XX | XX | Qualifying Total Reserves Number of Months | 8.14 | 14.00 | Per asset documentation and housing expense |
| 838 | XX | XX | Borrower Appraisal Receipt Date | XX | XX | Per Appraisal Receipt Disclosure |
| 837 | XX | XX | All Borrower Total Income | 0 | 79150.82 | Mapping. |
| 837 | XX | XX | Borrower 1 Qualifying Income | 78359.31 | 79150.82 | Using 99% of the 1 year p&l total. |
| 837 | XX | XX | Cash out Include Debt Paid at Close | 120643.78 | 120192.16 | Payoff of delinquent taxes. |
| 837 | XX | XX | Qualifying Total Reserves Number of Months | 31.65 | 27.00 | Based on the cash out proceeds. |
| 837 | XX | XX | Total Qualified Assets Available | 0 | 1160000.00 | Does not include Equity. |
| 837 | XX | XX | Total Liquid Assets Available For Close | 0 | 102962.21 | Does not include the cash out proceeds. |
| 837 | XX | XX | Qualifying Total Monthly Liabilities | 8257.74 | 8257.60 | Rounding of the REO. |

---

## Exhibit 99.4

**Exhibit 99.4**

![A picture containing text, clipart Description automatically generated](ex99-4_001.jpg)

NRMLT 2026-NQM2<br>Rithm Capital Corp.<br>

Opus Capital Markets Consultants, LLC

300 Tri-State International – Suite 320 \| Lincolnshire, IL 60069 \| www.opuscmc.com \| 224.632.1300

**Executive Narrative**

**January 21, 2026** 

**Performed by** 

**Opus Capital Markets Consultants, LLC**

**For** 

**Rithm Capital Corp.**

The report summarizes the results of a due diligence review performed on a pool of 330 loans provided by Rithm Capital Corp. ("Customer") who provided Opus Capital Markets Consultants, LLC ("Consultant") with a data tape, from which 100% of the loan sample was chosen and loaded into the LauraMac underwriting software. Consultant performed a detailed credit and compliance review of all loans.

As detailed herein, the pool contains one hundred seventy-six (176) Non-QM loans and one hundred fifty-four (154) ATR/QM Exempt loans, of which one hundred seventeen (117) are DSCR loans and thirty-seven (37) are Business Purpose loans. All loans were re-underwritten in accordance with the lender guidelines in terms of Exhibit A

<u>EXHIBIT A</u>

**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;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;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;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;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;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;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;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;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;i) **Credit Scores**: Verify that borrower(s) meet minimum credit score requirements of the Client provided underwriting guidelines.

&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**

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;· 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**

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;· Notice of Right to Cancel: If required based on the specifics of the loan
transaction, confirm the presence and required execution of the Notice of Right to Cancel.

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

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

**c) Credit Docs**

&nbsp;&nbsp;&nbsp;&nbsp;· Loan Application: Verify the presence and completeness of both the initial
and final loan applications.

&nbsp;&nbsp;&nbsp;&nbsp;· Underwriting Worksheet: Verify the presence of the relative underwriting
worksheet i.e. form 1008, FHA MCAW and VA's Loan Analysis.

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;· Asset Documentation: Verify the presence of asset documentation required
by the Client provided underwriting guidelines in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

**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" <sup>1</sup> 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;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;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;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;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;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;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;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;c. For TRID Disclosures (Application Dates on or after 10/3/2015)

<sup>1</sup> 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).

&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;

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

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;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;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;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;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;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;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;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;b. Final Truth in Lending Disclosure ("TIL"),
if applicable

&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;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;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;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;e. Notice of Right to Cancel (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Initial TIL, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Good Faith Estimate ("GFE"), if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Note

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Mortgage/Deed of Trust

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. FACTA disclosures

&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;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;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;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;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;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;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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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;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;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;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;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;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;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;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;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;8. Credit history

&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;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;**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;**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:

&nbsp;&nbsp;&nbsp;&nbsp;· Servicing Transfer Disclosure (for applications prior to 10/03/2015):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Servicing Transfer Disclosure form in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Verify the Servicing Transfer Disclosure was provided to the borrower(s)
within three general business days of "Application"

&nbsp;&nbsp;&nbsp;&nbsp;· Special Information Booklet (for applications prior to 10/03/2015)/ Home
Loan Tool Kit (for applications on or after 10/03/2015):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Home Loan Tool Kit is in file for covered loans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Home Loan Tool Kit is provided within three general business
days of application

&nbsp;&nbsp;&nbsp;&nbsp;· Affiliated Business Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Affiliated Business Disclosure in file in the
event the lender has affiliated business arrangements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o 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)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Affiliated Business Disclosure is executed.

&nbsp;&nbsp;&nbsp;&nbsp;· Initial Escrow Disclosure Statement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Initial Escrow Disclosure Statement in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Initial Escrow Disclosure Statement was provided at closing
or within 45 days after settlement

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· 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)?

&nbsp;&nbsp;&nbsp;&nbsp;· 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)**

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

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

&nbsp;&nbsp;&nbsp;&nbsp;· California Anti-Predatory Lending Statute, Cal. Fin. Code § 4970 et
seq.

&nbsp;&nbsp;&nbsp;&nbsp;· California Higher-Priced Mortgage Loan Statute, Cal. Fin. Code §4995
et seq.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Connecticut Abusive Home Loan Lending Practices Act, Conn. Stat. Ann. §36a-
746 et seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Connecticut Nonprime Home Loans Statute, Conn. Gen. Stat. §§ 36a-760
et seq. (as originally enacted and as amended by Senate Bill 949).

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;· Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078 et seq. (for loans
closed before July 1, 2014).

&nbsp;&nbsp;&nbsp;&nbsp;· 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).

&nbsp;&nbsp;&nbsp;&nbsp;· Idaho Residential Mortgage Practices Act, Idaho Code § 26-3101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code §345.10
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

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

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;· Cook County, Illinois, Anti-Predatory Lending Ordinance, Cook County Code
of Ordinances § 34-341.

&nbsp;&nbsp;&nbsp;&nbsp;· Cook County, Illinois, Anti-Predatory Lending Pilot Program, Illinois House
Bill 4050 (2005).

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

&nbsp;&nbsp;&nbsp;&nbsp;· Section 16a-3-308a of the Kansas Consumer Credit Code, Kan. Stat. Ann. §16a.101
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Kansas Consumer Credit Code

&nbsp;&nbsp;&nbsp;&nbsp;· Kentucky Anti-Predatory Lending Statute, Ky. Rev. Stat. § 360.100 et
seq.

&nbsp;&nbsp;&nbsp;&nbsp;· 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).

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;· Maryland Commercial Law, Md. Code Ann., Com. Law §§ 12-124.1;
12-127; 12- 409.1; 12-1029.

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts High-Cost Mortgage Regulations, 209 CMR Parts 32 and 40, as
amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Predatory Home Loan Practices Act, M.G.L. Chapter 183C, §§
1 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts "Borrower's Interest" Standard, M.G.L. Chapter
183, §28C.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Mortgage Lender and Broker Regulations, 940 CMR §800
(15-17).

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Regulations for Higher Priced Mortgage Loans, 209 CMR §§
32.00 et.seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Subprime ARMs to First Time Homebuyers, M.G.L. Chapter 184,
§17B.5.

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

&nbsp;&nbsp;&nbsp;&nbsp;· 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).

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

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;· New Jersey Home Ownership Security Act of 2002, NJ Stat. Ann. § C:46:10B-22
 et seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;· New York High-Cost Home Loan Regulations, 3 NYCCR Part 41 (2001).

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;· New York Subprime Home Loans Statute, NY Bank. Law § 6-m.

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;· Ohio Anti-Predatory Lending Statute, HB 386 as amended by Senate Bill 185
(2006), and as codified in various sections of the Ohio Code.

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

&nbsp;&nbsp;&nbsp;&nbsp;· City
of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 72-2003 (PSH), Mun. Code §§ 757.01 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Summit County, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 2004-
618, Muni. Code §§ 201.01 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003), as codified
in various sections of Title 14A of the Oklahoma Consumer Credit Code.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· Rhode Island Home Loan Protection Act, R.I. Gen. L.
 34-25.1-2 et seq, as implemented by Emergency Banking Regulation 3 (2006) and Final Banking Regulation 3 (2007) and amended by
 Senate Bill 371 (2007).

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· Tennessee Home Loan Protection Act, Tenn. H.R. 3597 (2006), as codified
at Tenn. Code Ann. §§ 45-20-101 et seq.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Section 50(a)(6), Article XVI of the Texas Constitution

&nbsp;&nbsp;&nbsp;&nbsp;· Section 50(f)(2), Article XVI of the Texas Constitution

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Mortgage Lender and Broker Act (for loans originated 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.

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Senate Bill 797 (2008), effective July 1, 2008 (uncodified).

&nbsp;&nbsp;&nbsp;&nbsp;· Washington House Bill 2770, Mortgage Lending Ownership

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

&nbsp;&nbsp;&nbsp;&nbsp;· Wisconsin Responsible High-Cost Mortgage Lending Act, Wis. Stat. §
428.202, as implemented by Wis. Admin. Code DFI-Bkg 46.01 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· 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

&nbsp;&nbsp;&nbsp;&nbsp;· Loan is an extension of credit primarily for business, commercial or agricultural
purposes

&nbsp;&nbsp;&nbsp;&nbsp;· 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

&nbsp;&nbsp;&nbsp;&nbsp;· Flood Insurance coverage for the residential real estate is provided by
a policy that

&nbsp;&nbsp;&nbsp;&nbsp;a. Meets requirements

&nbsp;&nbsp;&nbsp;&nbsp;b. Provided by a condominium association, cooperative or other applicable group and

&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:

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;· Alerts: Assess credit report alerts for accuracy and potential issues.

&nbsp;&nbsp;&nbsp;&nbsp;· Social Security Numbers: Compare SSN(s) across all file documents.

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;· Data Consistency: Review the documents contained in the loan file for consistency
of data.

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;· Property is complete

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;· Property is described in average or better condition

&nbsp;&nbsp;&nbsp;&nbsp;· No apparent appraiser independence violation statements

&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal addresses any adverse comments

&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal is completed on appropriate GSE Forms

&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal contains required attachments.

&nbsp;&nbsp;&nbsp;&nbsp;· 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

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;· Opus is not an Appraisal Management Company ("AMC") and therefore
does not opine on the actual value of the underlying property.

&nbsp;&nbsp;&nbsp;&nbsp;· 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:

&nbsp;&nbsp;&nbsp;&nbsp;· No apparent damage to the property

&nbsp;&nbsp;&nbsp;&nbsp;· 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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Appraised Value

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest Only

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest Rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Term

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Purpose

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Original Balance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property Address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property City

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property State

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property Type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Sales Price

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Second Mortgage Lien Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Self Employed

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Zip Code

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Type

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

&nbsp;&nbsp;&nbsp;&nbsp;· Level 1 Credit Grade Definition: Loan was originated in accordance with
the mortgage loan originator underwriting guidelines without exception.

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;· 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**

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;· 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**

&nbsp;&nbsp;&nbsp;&nbsp;· Level 1 Compliance Grade Definition: Loan complies with all applicable laws
and regulations reviewed under the applicable scope of work.

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;· 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**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Borrower Name

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Co-Borrower Name

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property Address, City, County, MSA, Zip

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Mailing Address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Account Number, including Originator and Servicer Loan Number

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Origination Date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Names of Borrowers or any other Individuals

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Company and Entity Names

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Financial Institution Names

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Job Position Titles

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Any Address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Any Location Information (other than state), including City, County, MSA
and Zip

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Account Numbers of any type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Insurance Claim Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Insurance Policy Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Foreclosure Action dates and Case Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Bankruptcy Action dates and Case Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Borrower Liquidity:** Review and confirm borrower's liquidity position adheres to Underwriting
 Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Credit / Background Check:** Review and confirm each guarantor and/or owner of the borrowing entity
 requirements meet Underwriting Guidelines, including OFAC.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Property management questionnaire:** Review the questionnaire to confirm management experience meets
 Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **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).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Loan-to-Value (LTV)/Loan-to-Cost (LTC) Limits:** Confirm the LTV/LTC meets Underwriting Guidelines per
 Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Permitted Loan Terms:** Confirm the loan terms are eligible per the Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Property Requirements and Market Requirements:** Confirm the loan Property and Market Requirements
 are eligible per the Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Condominium Eligibility:** Confirm Condo Master Policy is present and meets the Underwriting Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Property Insurance:** Confirm each mortgaged property has a policy in place and proper coverage
 amount in adherence to the Underwriting Guidelines.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan
 Application: Verify the presence and completeness of both the initial and final loan applications.

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Asset
 Documentation: Verify the presence of asset documentation required by the Client provided
 underwriting guidelines in the loan file.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· No
 compliance testing for the DSCR review.

**<u>Pool Details</u>**

![](ex99-4_002.jpg)

**<u>Tape Discrepancies</u>**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Data Element** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Accuracy** |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;99.09% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.70% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.70% |
| &nbsp;&nbsp;**Total Loan Population** | &nbsp;&nbsp;**330** |  |

---

**Multiple Loans to One Borrower:** TPR firm reviewed common identifiers for all loans in the population and confirmed there were ten (10) 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 initial and final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated January 19, 2026.

![](ex99-4_003.jpg)

**<u>Loans Reviewed (330)</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;9757053179 | &nbsp;&nbsp;9718729255 | &nbsp;&nbsp;9767865737 | &nbsp;&nbsp;216038588 | &nbsp;&nbsp;9731416963 | &nbsp;&nbsp;9753695833 | &nbsp;&nbsp;9790997184 |
| &nbsp;&nbsp;9757459640 | &nbsp;&nbsp;9719700016 | &nbsp;&nbsp;9768248487 | &nbsp;&nbsp;216039826 | &nbsp;&nbsp;9732120622 | &nbsp;&nbsp;9754286673 | &nbsp;&nbsp;9791040638 |
| &nbsp;&nbsp;9759081889 | &nbsp;&nbsp;9721156728 | &nbsp;&nbsp;9768545601 | &nbsp;&nbsp;216059816 | &nbsp;&nbsp;9732297685 | &nbsp;&nbsp;9754455476 | &nbsp;&nbsp;9791968820 |
| &nbsp;&nbsp;9761072231 | &nbsp;&nbsp;9725316385 | &nbsp;&nbsp;9768740210 | &nbsp;&nbsp;9705842749 | &nbsp;&nbsp;9732405213 | &nbsp;&nbsp;9754687615 | &nbsp;&nbsp;9792559990 |
| &nbsp;&nbsp;9797685279 | &nbsp;&nbsp;9725492095 | &nbsp;&nbsp;9770739176 | &nbsp;&nbsp;9707419165 | &nbsp;&nbsp;9732794574 | &nbsp;&nbsp;9755788396 | &nbsp;&nbsp;9792801871 |
| &nbsp;&nbsp;9797970481 | &nbsp;&nbsp;9725709837 | &nbsp;&nbsp;9771281962 | &nbsp;&nbsp;9707566825 | &nbsp;&nbsp;9735350788 | &nbsp;&nbsp;9757179222 | &nbsp;&nbsp;9793040289 |
| &nbsp;&nbsp;215031717 | &nbsp;&nbsp;9727630601 | &nbsp;&nbsp;9771528628 | &nbsp;&nbsp;9707730488 | &nbsp;&nbsp;9735672926 | &nbsp;&nbsp;9760269101 | &nbsp;&nbsp;9793705501 |
| &nbsp;&nbsp;215126889 | &nbsp;&nbsp;9728289662 | &nbsp;&nbsp;9771963544 | &nbsp;&nbsp;9708198032 | &nbsp;&nbsp;9735894637 | &nbsp;&nbsp;9760519885 | &nbsp;&nbsp;9795841346 |
| &nbsp;&nbsp;215259664 | &nbsp;&nbsp;9728560815 | &nbsp;&nbsp;9774989660 | &nbsp;&nbsp;9708256475 | &nbsp;&nbsp;9737497199 | &nbsp;&nbsp;9761980656 | &nbsp;&nbsp;9795875419 |
| &nbsp;&nbsp;215308875 | &nbsp;&nbsp;9728684540 | &nbsp;&nbsp;9776152143 | &nbsp;&nbsp;9708381554 | &nbsp;&nbsp;9737534843 | &nbsp;&nbsp;9763136505 | &nbsp;&nbsp;9795903716 |
| &nbsp;&nbsp;215332610 | &nbsp;&nbsp;9728923831 | &nbsp;&nbsp;9778130899 | &nbsp;&nbsp;9708512315 | &nbsp;&nbsp;9737663485 | &nbsp;&nbsp;9764277373 | &nbsp;&nbsp;9797465391 |
| &nbsp;&nbsp;215535295 | &nbsp;&nbsp;9731230760 | &nbsp;&nbsp;9780771367 | &nbsp;&nbsp;9708954186 | &nbsp;&nbsp;9738232215 | &nbsp;&nbsp;9764536273 | &nbsp;&nbsp;9797540086 |
| &nbsp;&nbsp;215543919 | &nbsp;&nbsp;9731395860 | &nbsp;&nbsp;9783916555 | &nbsp;&nbsp;9709089727 | &nbsp;&nbsp;9738616938 | &nbsp;&nbsp;9766736871 | &nbsp;&nbsp;9797663466 |
| &nbsp;&nbsp;215557620 | &nbsp;&nbsp;9732937983 | &nbsp;&nbsp;9785138968 | &nbsp;&nbsp;9709302633 | &nbsp;&nbsp;9738844910 | &nbsp;&nbsp;9768289945 | &nbsp;&nbsp;9797803906 |
| &nbsp;&nbsp;215574153 | &nbsp;&nbsp;9738082040 | &nbsp;&nbsp;9785896276 | &nbsp;&nbsp;9710600140 | &nbsp;&nbsp;9738999201 | &nbsp;&nbsp;9768369929 | &nbsp;&nbsp;9797853398 |
| &nbsp;&nbsp;215578675 | &nbsp;&nbsp;9742701700 | &nbsp;&nbsp;9786847484 | &nbsp;&nbsp;9711293366 | &nbsp;&nbsp;9739283076 | &nbsp;&nbsp;9769214264 | &nbsp;&nbsp;9799215489 |
| &nbsp;&nbsp;215616293 | &nbsp;&nbsp;9742751648 | &nbsp;&nbsp;9787678813 | &nbsp;&nbsp;9711535907 | &nbsp;&nbsp;9740210803 | &nbsp;&nbsp;9769254997 | &nbsp;&nbsp;9799517272 |
| &nbsp;&nbsp;215646977 | &nbsp;&nbsp;9743051980 | &nbsp;&nbsp;9789936474 | &nbsp;&nbsp;9712587030 | &nbsp;&nbsp;9740438933 | &nbsp;&nbsp;9771500890 | &nbsp;&nbsp;9799576070 |
| &nbsp;&nbsp;215653007 | &nbsp;&nbsp;9743167810 | &nbsp;&nbsp;9791508071 | &nbsp;&nbsp;9712975326 | &nbsp;&nbsp;9741356662 | &nbsp;&nbsp;9772516606 | &nbsp;&nbsp;215463167 |
| &nbsp;&nbsp;215677634 | &nbsp;&nbsp;9743333107 | &nbsp;&nbsp;9792341985 | &nbsp;&nbsp;9713546662 | &nbsp;&nbsp;9742142574 | &nbsp;&nbsp;9774988555 | &nbsp;&nbsp;215239310 |
| &nbsp;&nbsp;215677758 | &nbsp;&nbsp;9744649550 | &nbsp;&nbsp;9792353154 | &nbsp;&nbsp;9713709823 | &nbsp;&nbsp;9742221071 | &nbsp;&nbsp;9775314728 | &nbsp;&nbsp;215275462 |
| &nbsp;&nbsp;215687062 | &nbsp;&nbsp;9748100113 | &nbsp;&nbsp;9792386642 | &nbsp;&nbsp;9714983724 | &nbsp;&nbsp;9742412159 | &nbsp;&nbsp;9775856355 | &nbsp;&nbsp;215490400 |
| &nbsp;&nbsp;215700782 | &nbsp;&nbsp;9748232049 | &nbsp;&nbsp;9792781503 | &nbsp;&nbsp;9715631181 | &nbsp;&nbsp;9743502198 | &nbsp;&nbsp;9776843428 | &nbsp;&nbsp;9739201664 |
| &nbsp;&nbsp;215873696 | &nbsp;&nbsp;9749043825 | &nbsp;&nbsp;9792943129 | &nbsp;&nbsp;9716559787 | &nbsp;&nbsp;9744963738 | &nbsp;&nbsp;9776995657 | &nbsp;&nbsp;214789901 |
| &nbsp;&nbsp;215879735 | &nbsp;&nbsp;9749580636 | &nbsp;&nbsp;9794015892 | &nbsp;&nbsp;9717434709 | &nbsp;&nbsp;9745366980 | &nbsp;&nbsp;9777038762 | &nbsp;&nbsp;215023888 |
| &nbsp;&nbsp;215880279 | &nbsp;&nbsp;9749607868 | &nbsp;&nbsp;9794434051 | &nbsp;&nbsp;9717876925 | &nbsp;&nbsp;9745941873 | &nbsp;&nbsp;9777104440 | &nbsp;&nbsp;215400243 |
| &nbsp;&nbsp;215886797 | &nbsp;&nbsp;9750017007 | &nbsp;&nbsp;9796432095 | &nbsp;&nbsp;9718706675 | &nbsp;&nbsp;9745984071 | &nbsp;&nbsp;9777373839 | &nbsp;&nbsp;215418799 |
| &nbsp;&nbsp;215888223 | &nbsp;&nbsp;9750362601 | &nbsp;&nbsp;9796916121 | &nbsp;&nbsp;9720391839 | &nbsp;&nbsp;9746376954 | &nbsp;&nbsp;9778334756 | &nbsp;&nbsp;215418823 |
| &nbsp;&nbsp;215892795 | &nbsp;&nbsp;9750507668 | &nbsp;&nbsp;9797053841 | &nbsp;&nbsp;9721644152 | &nbsp;&nbsp;9746484295 | &nbsp;&nbsp;9780719812 | &nbsp;&nbsp;215420605 |
| &nbsp;&nbsp;215908583 | &nbsp;&nbsp;9753039826 | &nbsp;&nbsp;9797618858 | &nbsp;&nbsp;9722699429 | &nbsp;&nbsp;9747033042 | &nbsp;&nbsp;9781195590 | &nbsp;&nbsp;215472861 |
| &nbsp;&nbsp;215927120 | &nbsp;&nbsp;9754965037 | &nbsp;&nbsp;9797729531 | &nbsp;&nbsp;9722929909 | &nbsp;&nbsp;9747145317 | &nbsp;&nbsp;9782272521 | &nbsp;&nbsp;215567843 |
| &nbsp;&nbsp;215939018 | &nbsp;&nbsp;9755604213 | &nbsp;&nbsp;9797959062 | &nbsp;&nbsp;9723171048 | &nbsp;&nbsp;9747330752 | &nbsp;&nbsp;9782357041 | &nbsp;&nbsp;215584996 |
| &nbsp;&nbsp;215955683 | &nbsp;&nbsp;9755698876 | &nbsp;&nbsp;9799276242 | &nbsp;&nbsp;9723568789 | &nbsp;&nbsp;9747616580 | &nbsp;&nbsp;9782728779 | &nbsp;&nbsp;9712983759 |
| &nbsp;&nbsp;215959545 | &nbsp;&nbsp;9757549127 | &nbsp;&nbsp;9799610945 | &nbsp;&nbsp;9723713815 | &nbsp;&nbsp;9747753573 | &nbsp;&nbsp;9784682404 | &nbsp;&nbsp;215504291 |
| &nbsp;&nbsp;215984600 | &nbsp;&nbsp;9757872180 | &nbsp;&nbsp;9799752937 | &nbsp;&nbsp;9724182481 | &nbsp;&nbsp;9748913416 | &nbsp;&nbsp;9786023797 | &nbsp;&nbsp;215583329 |
| &nbsp;&nbsp;215999665 | &nbsp;&nbsp;9758310735 | &nbsp;&nbsp;215604802 | &nbsp;&nbsp;9724210118 | &nbsp;&nbsp;9749146164 | &nbsp;&nbsp;9786420613 | &nbsp;&nbsp;9794968462 |
| &nbsp;&nbsp;216006833 | &nbsp;&nbsp;9760212598 | &nbsp;&nbsp;215643180 | &nbsp;&nbsp;9724782363 | &nbsp;&nbsp;9749147485 | &nbsp;&nbsp;9786609413 | &nbsp;&nbsp;215583147 |
| &nbsp;&nbsp;216014589 | &nbsp;&nbsp;9760373382 | &nbsp;&nbsp;215697764 | &nbsp;&nbsp;9725007166 | &nbsp;&nbsp;9749160256 | &nbsp;&nbsp;9788065788 | &nbsp;&nbsp;215618570 |
| &nbsp;&nbsp;216045716 | &nbsp;&nbsp;9761647230 | &nbsp;&nbsp;215915315 | &nbsp;&nbsp;9725193719 | &nbsp;&nbsp;9749228749 | &nbsp;&nbsp;9788421221 | &nbsp;&nbsp;215664517 |
| &nbsp;&nbsp;9706421667 | &nbsp;&nbsp;9762893379 | &nbsp;&nbsp;215919317 | &nbsp;&nbsp;9726031348 | &nbsp;&nbsp;9749325669 | &nbsp;&nbsp;9788833250 | &nbsp;&nbsp;9706684256 |
| &nbsp;&nbsp;9707674231 | &nbsp;&nbsp;9764591641 | &nbsp;&nbsp;215922022 | &nbsp;&nbsp;9726740682 | &nbsp;&nbsp;9749499530 | &nbsp;&nbsp;9788975838 | &nbsp;&nbsp;9707420924 |
| &nbsp;&nbsp;9709166350 | &nbsp;&nbsp;9764870995 | &nbsp;&nbsp;215944281 | &nbsp;&nbsp;9728422123 | &nbsp;&nbsp;9750024375 | &nbsp;&nbsp;9789043016 | &nbsp;&nbsp;9753760553 |
| &nbsp;&nbsp;9710719874 | &nbsp;&nbsp;9765197943 | &nbsp;&nbsp;215967787 | &nbsp;&nbsp;9728568172 | &nbsp;&nbsp;9750178361 | &nbsp;&nbsp;9789849834 |  |
| &nbsp;&nbsp;9710733628 | &nbsp;&nbsp;9765605085 | &nbsp;&nbsp;215969825 | &nbsp;&nbsp;9729121955 | &nbsp;&nbsp;9751223778 | &nbsp;&nbsp;9789870392 |  |
| &nbsp;&nbsp;9711205493 | &nbsp;&nbsp;9765756672 | &nbsp;&nbsp;215978800 | &nbsp;&nbsp;9730368298 | &nbsp;&nbsp;9751507626 | &nbsp;&nbsp;9790446984 |  |
| &nbsp;&nbsp;9714540342 | &nbsp;&nbsp;9765846994 | &nbsp;&nbsp;215982844 | &nbsp;&nbsp;9730541423 | &nbsp;&nbsp;9752856691 | &nbsp;&nbsp;9790487210 |  |
| &nbsp;&nbsp;9716496642 | &nbsp;&nbsp;9766426614 | &nbsp;&nbsp;216000786 | &nbsp;&nbsp;9730702603 | &nbsp;&nbsp;9753415307 | &nbsp;&nbsp;9790808464 |  |
| &nbsp;&nbsp;9718636351 | &nbsp;&nbsp;9767144422 | &nbsp;&nbsp;216001644 | &nbsp;&nbsp;9731132115 | &nbsp;&nbsp;9753592048 | &nbsp;&nbsp;9790889068 |  |

---

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

## Exhibit 99.4

**Exhibit 99.4 Schedule 1** 

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Marketing ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 1 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | XX |
| 2 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 | XX |
| 5 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 |  |  |  |  |  |  |  |  | XX | XX | .0131 | XX | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 7 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | XX | XX | .0714 | XX | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX |
| 11 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 65.0 | 65.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | XX |
| 12 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX |
| 14 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XX |
| 16 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | XX | 0.0 | .0000 | XX | 1004 URAR |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX |
| 22 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 70.5 | 70.5 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX |
| 24 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX |
| 37 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 79.46 | 79.46 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-08-2025 | Eligible | 4.5 | XX |
| 40 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX |
| 41 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-28-2025 | Eligible |  |  |
| 42 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-18-2025 | Eligible |  |  |
| 47 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 58.66 | 58.66 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX |
| 55 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 72.22 | 72.22 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-12-2025 | Eligible |  |  |
| 191 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 194 | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 65.0 | 65.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 239 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 66.57 | 66.57 | XX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | XX | XX | .0629 | XX | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-14-2025 | Eligible |  |  |
| 422 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX |
| 526 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 79.97 | 79.97 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 791 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 63.33 | 63.33 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.7 | XX |
| 3 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 66.67 | 66.67 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX |
| 4 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-23-2025 | Eligible | 3.4 | XX |
| 6 | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 40.36 | 40.36 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 8 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 62.67 | 62.67 | XX | XX | .1849 | 1004 URAR |  |  |  |  | XX | XX | .1849 | XX | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XX |
| 9 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX |
| 30 | XX |  |  | XX | XX |  | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 33 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 55.93 | 55.93 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | 08-04-2025 | Not Eligible | 4 | XX |
| 36 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 60.13 | 60.13 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 08-11-2025 | Not Eligible | 3.6 | XX |
| 38 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 78.75 | 78.75 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 39 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | XX | -.0499 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | XX | -.0499 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 44 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 32.52 | 32.52 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 09-18-2025 | Eligible | 3.9 | XX |
| 46 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-26-2025 | Eligible | 1 | XX |
| 51 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 59.48 | 59.48 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XX |
| 53 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XX |
| 54 | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 57 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | XX | -.0250 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | XX | -.0250 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 08-14-2024 | Not Eligible | 5 | XX |
| 58 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 08-27-2025 | Eligible | 1 | XX |
| 61 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-25-2025 | Eligible |  | XX |
| 63 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 08-15-2025 | Eligible | 1 | XX |
| 65 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 69.87 | 69.87 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 73.61 | 73.61 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | XX |
| 75 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 09-19-2025 | Eligible | 1 | XX |
| 76 | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 80 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 09-02-2025 | Not Eligible |  | XX |
| 83 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 85 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XX |
| 88 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 59.18 | 59.18 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 91 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 92 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 74.48 | 74.48 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XX |
| 94 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XX |
| 98 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 32.5 | 32.5 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XX |
| 100 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 09-09-2025 | Not Eligible | 3.6 | XX |
| 104 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 09-29-2025 | Not Eligible | 2.8 | XX |
| 109 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | XX | XX | .0175 | XX | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX |
| 112 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 114 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 116 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | XX | XX | -.1306 | XX | 1004 URAR |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 119 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 09-25-2025 | Eligible | 1 | XX |
| 121 | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 122 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 29.39 | 29.39 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XX |
| 128 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 09-08-2025 | Eligible | 2.8 | XX |
| 129 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 53.6 | 53.6 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 130 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX |
| 134 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 08-22-2025 | Eligible | 1 | XX |
| 136 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 148 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX |
| 149 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 09-23-2025 | Not Eligible | 1.7 | XX |
| 158 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 162 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX |
| 187 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 190 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX |
| 193 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 09-12-2025 | Not Eligible | 3.1 | XX |
| 195 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 197 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX |
| 200 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX |
| 204 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 205 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 206 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 79.98 | 79.98 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 207 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 61.34 | 61.34 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX |
| 211 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 212 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 213 | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 215 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 225 | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 69.94 | 69.94 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 226 | XX |  |  | XX | XX |  | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 76.38 | 76.38 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XX |
| 227 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XX |
| 230 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 09-12-2025 | Eligible |  |  |
| 231 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 48.82 | 48.82 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 08-04-2025 | Not Eligible | 3.3 | XX |
| 232 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 235 | XX |  |  | XX | XX |  | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 52.63 | 52.63 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XX |
| 238 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 77.35 | 77.35 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX |
| 241 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | XX | -.0034 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XX |
| 243 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | XX |
| 248 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | XX | .0368 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | XX | .0368 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 250 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XX |
| 255 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 10-14-2025 | Not Eligible |  |  |
| 264 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.97 | 80.97 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 266 | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 272 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 274 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 81.67 | 81.67 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 10-08-2025 | Not Eligible |  |  |
| 278 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 62.79 | 62.79 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 279 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 280 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 285 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 69.93 | 69.93 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX |
| 290 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 294 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 09-30-2025 | Not Eligible |  | XX |
| 296 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-17-2025 | Eligible | 1 | XX |
| 299 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 300 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 301 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 10-07-2025 | Not Eligible |  |  |
| 305 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 308 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.29 | 75.29 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XX |
| 309 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XX |
| 311 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | XX | XX | .0593 | XX | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-07-2025 | Eligible | 1 | XX |
| 314 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX |
| 315 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 317 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 89.94 | 89.94 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX |
| 319 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 69.98 | 69.98 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX |
| 321 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 52.63 | 52.63 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 10-01-2025 | Eligible |  |  |
| 323 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | XX |
| 327 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 73.0 | 73.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 331 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX |
| 335 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 336 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 55.38 | 55.38 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 339 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 09-18-2025 | Eligible | 2.7 | XX |
| 340 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX |
| 344 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 78.44 | 78.44 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 345 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | XX | -.0091 | Collateral Underwriter (CU) |  |  |  |  | XX | XX | -.0091 | XX | 1073 Individual Condo Report |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX |
| 346 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 354 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 57.89 | 57.89 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 09-30-2025 | Eligible | 1 | XX |
| 356 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 357 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-10-2025 | Eligible | 1 | XX |
| 360 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 363 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 365 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XX |
| 367 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 74.95 | 74.95 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 371 | XX |  |  | XX | XX | 0 | XX | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 84.75 | 84.75 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 374 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX |
| 376 | XX |  |  | XX | XX |  | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 79.89 | 79.89 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 380 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-10-2025 | Eligible | 1.8 | XX |
| 383 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX |
| 394 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX |
| 397 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX |
| 400 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 58.82 | 58.82 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 59.7 | 59.7 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 410 | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 413 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XX |
| 415 | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 57.46 | 57.46 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 416 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 50.0 | 50.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 417 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 419 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 79.36 | 79.36 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | XX |
| 424 | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 74.72 | 74.72 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 430 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 |  |  |  |  |  |  |  |  | XX | XX | .0196 | XX | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 431 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 433 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-08-2025 | Eligible | 1 | XX |
| 436 | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 439 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 65.0 | 65.0 | XX | XX | -.0556 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | XX | -.0556 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX |
| 440 | XX |  |  | XX | XX |  | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 69.7 | 69.7 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX |
| 443 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX |
| 444 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 445 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 446 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX |
| 448 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 89.91 | 89.91 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 | XX |
| 449 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 454 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX |
| 456 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 10-06-2025 | Not Eligible | 2.5 | XX |
| 459 | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | XX | -.0863 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | XX | -.0863 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 460 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 461 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 63.19 | 63.19 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 463 | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 69.98 | 69.98 | XX | XX | -.0385 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | XX | -.0385 | XX |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX |
| 464 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-01-20255 | Eligible | 1 | XX |
| 468 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 65.98 | 65.98 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 09-30-2025 | Not Eligible |  |  |
| 469 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 470 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 18.18 | 18.18 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 472 | XX |  |  | XX | XX |  | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 32.21 | 32.21 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 474 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 55.66 | 55.66 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | 10-16-2025 | Not Eligible |  |  |
| 476 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 09-30-2025 | Not Eligible |  | XX |
| 477 | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 480 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 481 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XX |
| 482 | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 483 | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 65.38 | 65.38 | XX | XX | -.0423 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | XX | -.0423 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 484 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 486 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 09-25-2025 | Not Eligible |  | XX |
| 487 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | XX | -.0179 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | XX | -.0179 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX |
| 490 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 84.51 | 84.51 | XX | 0.0 | .0000 | 1004 URAR |  |  |  |  | XX | 0.0 | .0000 | XX | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 491 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 66.0 | 66.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 492 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 498 | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 499 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 74.38 | 74.38 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 501 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 74.12 | 74.12 |  |  |  |  |  |  |  |  | XX | XX | .0271 | XX | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 504 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-08-2025 | Eligible |  |  |
| 507 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX |
| 509 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 77.7 | 77.7 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 510 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-08-2025 | Eligible | 1 | XX |
| 516 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 519 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 522 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 09-24-2025 | Not Eligible |  |  |
| 524 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 525 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 532 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 535 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX |
| 536 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 537 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX |
| 541 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XX |
| 542 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 544 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 60.4 | 60.4 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-17-2025 | Eligible |  |  |
| 549 | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 65.0 | 65.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 550 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX |
| 551 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 552 | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 60.89 | 60.89 | XX | XX | -.0978 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | XX | -.0978 | XX |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 554 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 558 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 560 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XX |
| 566 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 567 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 568 | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | XX | -.0633 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | XX | -.0633 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 569 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 16.33 | 16.33 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XX |
| 571 | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 65.0 | 65.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 575 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 577 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XX |
| 581 | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 62.02 | 62.02 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 586 | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 594 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX |
| 595 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 596 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-04-2025 | Eligible | 1 | XX |
| 598 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 599 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 43.74 | 43.74 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 09-10-2025 | Not Eligible | 5 | XX |
| 602 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX |
| 603 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 605 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 608 | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 68.18 | 68.18 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 611 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX |
| 614 | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 616 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 67.79 | 67.79 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX |
| 617 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 09-25-2025 | Not Eligible | 3.5 | XX |
| 618 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-08-2025 | Eligible | 1 | XX |
| 619 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 57.8 | 57.8 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 620 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 622 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX |
| 630 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 631 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | XX | -.0026 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | XX | -.0026 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 636 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 640 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 641 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-09-2025 | Eligible | 1.5 | XX |
| 642 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | XX | .0207 | Loan Collateral Advisor (LCA) |  |  |  |  | XX | XX | .0864 | XX | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 09-10-2025 | Eligible |  |  |
| 643 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 646 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 655 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 16.0 | 16.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | XX |
| 656 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 66.0 | 66.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 658 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 54.29 | 54.29 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX |
| 661 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 663 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 09-29-2025 | Eligible | 1 | XX |
| 669 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 671 | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 672 | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 673 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 |  |  |  |  |  |  |  |  | XX | XX | .0476 | XX | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 675 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 677 | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 68.24 | 68.24 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 679 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 690 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 72.43 | 72.43 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX |
| 691 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 693 | XX |  |  | XX | XX |  | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 56.25 | 56.25 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 701 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | XX | .0638 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | XX | .0638 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 703 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 10-07-2025 | Not Eligible |  | XX |
| 704 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | XX | XX | .0216 | XX | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  | 1 | 09-18-2025 | Eligible | 1.6 | XX |
| 711 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | XX |
| 722 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 79.61 | 79.61 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 09-25-2025 | Eligible | 1.9 | XX |
| 723 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  | 1 | 08-06-2025 | Eligible | 1 | XX |
| 726 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 728 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | XX | -.0500 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | XX | -.0500 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX |
| 732 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 734 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 737 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 742 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XX |
| 743 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 70.85 | 70.85 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 10-08-2025 | Not Eligible |  | XX |
| 746 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XX |
| 747 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 36.04 | 36.04 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 748 | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 74.96 | 74.96 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 750 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-24-2025 | Eligible | 1 | XX |
| 753 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 754 | XX |  |  | XX | XX |  | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | XX |
| 755 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 763 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 78.49 | 78.49 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 10-09-2025 | Not Eligible |  |  |
| 764 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 43.95 | 43.95 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX |
| 767 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 77.85 | 77.85 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 768 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 769 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | XX | XX | -.0750 | XX | 1004 URAR |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 770 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 78.78 | 78.78 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 771 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 09-04-2025 | Eligible | 3.1 | XX |
| 773 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 776 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 60.4 | 60.4 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX |
| 777 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XX |
| 778 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XX |
| 779 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XX |
| 780 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 781 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 63.65 | 63.65 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX |
| 784 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 79.5 | 79.5 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Removed from deal | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 65.0 | 65.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 786 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 10-13-2025 | Eligible | 2.1 | XX |
| 787 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 789 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 09-18-2025 | Eligible | 1 | XX |
| 792 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | 1004 URAR |  |  |  |  | XX | 0.0 | .0000 | XX | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 793 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 54.69 | 54.69 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XX |
| 794 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 796 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 09-11-2025 | Not Eligible |  | XX |
| 799 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 63.26 | 63.26 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | XX | XX | .0111 | XX | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX |
| 801 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-01-2025 | Eligible | 1 | XX |
| 803 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 36.36 | 36.36 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 804 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 58.82 | 58.82 | XX | XX | -.0980 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | XX | -.0980 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 09-16-2025 | Not Eligible | 2.5 | XX |
| 805 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 65.93 | 65.93 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-20-2025 | Eligible | 1 | XX |
| 807 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX |
| 808 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 809 | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 810 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-14-2025 | Eligible | 1 | XX |
| 811 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 812 | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 814 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 60.0 | 60.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 817 | XX |  |  | XX | XX | 0 | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 818 | XX |  |  | XX | XX |  | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 71.06 | 71.06 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX |
| 819 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 820 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 821 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX |
| 824 | XX |  |  | XX | XX | XX | 0 | XX | XX | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 2** 

---

| | | | | |
|:---|:---|:---|:---|:---|
|  | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Marketing ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 1 | XX |  |  | XX D A B |
| 2 | XX |  |  | XX C A B |
| 5 | XX |  |  | XX D C A |
| 7 | XX |  |  | XX A C |
| 11 | XX |  |  | XX A C B |
| 12 | XX |  |  | XX D A |
| 13 | XX |  |  | XX D A |
| 14 | XX |  |  | XX D A |
| 16 | XX |  |  | XX C D A |
| 19 | XX |  |  | XX D B A |
| 22 | XX |  |  | XX A D |
| 24 | XX |  |  | XX D A |
| 37 | XX |  |  | XX A C |
| 40 | XX |  |  | XX D A |
| 41 | XX |  |  | XX A D |
| 42 | XX |  |  | XX D B A |
| 47 | XX |  |  | XX D A |
| 55 | XX |  |  | XX D A |
| 191 | XX |  |  | XX D C A |
| 194 | XX |  |  | XX C A |
| 239 | XX |  |  | XX A C B |
| 422 | XX |  |  | XX A C B |
| 526 | XX |  |  | XX C A |
| 791 | XX |  |  | XX A C B |
| 3 | XX |  |  | XX A |
| 4 | XX |  |  | XX A B |
| 6 | XX |  |  | XX D A |
| 8 | XX |  |  | XX A |
| 9 | XX |  |  | XX A |
| 30 | XX |  |  | XX A |
| 33 | XX |  |  | XX A B |
| 36 | XX |  |  | XX C A B |
| 38 | XX |  |  | XX A |
| 39 | XX |  |  | XX A |
| 44 | XX |  |  | XX A B |
| 46 | XX |  |  | XX A |
| 51 | XX |  |  | XX D A B |
| 53 | XX |  |  | XX A |
| 54 | XX |  |  | XX A |
| 57 | XX |  |  | XX A B |
| 58 | XX |  |  | XX A |
| 61 | XX |  |  | XX A |
| 63 | XX |  |  | XX A |
| 65 | XX |  |  | XX A |
| 71 | XX |  |  | XX A B |
| 75 | XX |  |  | XX A |
| 76 | XX |  |  | XX A |
| 80 | XX |  |  | XX A B |
| 83 | XX |  |  | XX A |
| 85 | XX |  |  | XX A |
| 88 | XX |  |  | XX A |
| 91 | XX |  |  | XX A |
| 92 | XX |  |  | XX A |
| 94 | XX |  |  | XX A |
| 98 | XX |  |  | XX A |
| 100 | XX |  |  | XX A B |
| 104 | XX |  |  | XX A B |
| 109 | XX |  |  | XX A |
| 112 | XX |  |  | XX A |
| 114 | XX |  |  | XX A |
| 116 | XX |  |  | XX A |
| 119 | XX |  |  | XX A |
| 121 | XX |  |  | XX C A |
| 122 | XX |  |  | XX A |
| 128 | XX |  |  | XX A B |
| 129 | XX |  |  | XX A |
| 130 | XX |  |  | XX A |
| 134 | XX |  |  | XX A B |
| 136 | XX |  |  | XX C A |
| 148 | XX |  |  | XX A |
| 149 | XX |  |  | XX A |
| 158 | XX |  |  | XX D A |
| 162 | XX |  |  | XX A |
| 187 | XX |  |  | XX A |
| 190 | XX |  |  | XX A |
| 193 | XX |  |  | XX A C B |
| 195 | XX |  |  | XX A |
| 197 | XX |  |  | XX A |
| 200 | XX |  |  | XX C A |
| 204 | XX |  |  | XX A |
| 205 | XX |  |  | XX A |
| 206 | XX |  |  | XX A |
| 207 | XX |  |  | XX A |
| 211 | XX |  |  | XX A |
| 212 | XX |  |  | XX A |
| 213 | XX |  |  | XX A |
| 215 | XX |  |  | XX A |
| 225 | XX |  |  | XX A |
| 226 | XX |  |  | XX D A B |
| 227 | XX |  |  | XX A B |
| 230 | XX |  |  | XX A |
| 231 | XX |  |  | XX A B |
| 232 | XX |  |  | XX A |
| 235 | XX |  |  | XX A C |
| 238 | XX |  |  | XX C A |
| 241 | XX |  |  | XX A |
| 243 | XX |  |  | XX A B |
| 248 | XX |  |  | XX A |
| 250 | XX |  |  | XX A B |
| 255 | XX |  |  | XX A B |
| 264 | XX |  |  | XX A |
| 266 | XX |  |  | XX D A |
| 272 | XX |  |  | XX C A B |
| 274 | XX |  |  | XX A B |
| 278 | XX |  |  | XX A |
| 279 | XX |  |  | XX A |
| 280 | XX |  |  | XX A |
| 285 | XX |  |  | XX D C A |
| 290 | XX |  |  | XX A |
| 294 | XX |  |  | XX A B |
| 296 | XX |  |  | XX A |
| 299 | XX |  |  | XX A |
| 300 | XX |  |  | XX A |
| 301 | XX |  |  | XX A |
| 304 | XX |  |  | XX A B |
| 305 | XX |  |  | XX A |
| 308 | XX |  |  | XX A B |
| 309 | XX |  |  | XX A C |
| 311 | XX |  |  | XX A |
| 314 | XX |  |  | XX A C |
| 315 | XX |  |  | XX A |
| 317 | XX |  |  | XX A |
| 319 | XX |  |  | XX A |
| 321 | XX |  |  | XX A |
| 323 | XX |  |  | XX A B |
| 327 | XX |  |  | XX A |
| 331 | XX |  |  | XX A |
| 335 | XX |  |  | XX C A |
| 336 | XX |  |  | XX A |
| 339 | XX |  |  | XX A B |
| 340 | XX |  |  | XX A C |
| 344 | XX |  |  | XX A |
| 345 | XX |  |  | XX A |
| 346 | XX |  |  | XX A |
| 354 | XX |  |  | XX A |
| 356 | XX |  |  | XX A |
| 357 | XX |  |  | XX A |
| 360 | XX |  |  | XX A |
| 363 | XX |  |  | XX A |
| 365 | XX |  |  | XX A |
| 367 | XX |  |  | XX A |
| 371 | XX |  |  | XX D A |
| 374 | XX |  |  | XX D C A |
| 376 | XX |  |  | XX A C B |
| 380 | XX |  |  | XX A |
| 383 | XX |  |  | XX A |
| 394 | XX |  |  | XX A |
| 397 | XX |  |  | XX A |
| 400 | XX |  |  | XX A |
| 408 | XX |  |  | XX A |
| 409 | XX |  |  | XX C A |
| 410 | XX |  |  | XX A |
| 413 | XX |  |  | XX A |
| 415 | XX |  |  | XX A |
| 416 | XX |  |  | XX A |
| 417 | XX |  |  | XX A |
| 419 | XX |  |  | XX A B |
| 424 | XX |  |  | XX A |
| 430 | XX |  |  | XX A |
| 431 | XX |  |  | XX A |
| 433 | XX |  |  | XX A |
| 436 | XX |  |  | XX A |
| 439 | XX |  |  | XX B A |
| 440 | XX |  |  | XX A |
| 443 | XX |  |  | XX A |
| 444 | XX |  |  | XX A |
| 445 | XX |  |  | XX A |
| 446 | XX |  |  | XX A |
| 448 | XX |  |  | XX A B |
| 449 | XX |  |  | XX A |
| 454 | XX |  |  | XX A |
| 456 | XX |  |  | XX A |
| 459 | XX |  |  | XX C A |
| 460 | XX |  |  | XX A |
| 461 | XX |  |  | XX A |
| 463 | XX |  |  | XX D A C B |
| 464 | XX |  |  | XX A |
| 468 | XX |  |  | XX A |
| 469 | XX |  |  | XX A |
| 470 | XX |  |  | XX A |
| 472 | XX |  |  | XX A C |
| 474 | XX |  |  | XX A B |
| 476 | XX |  |  | XX A B |
| 477 | XX |  |  | XX A |
| 480 | XX |  |  | XX A |
| 481 | XX |  |  | XX A |
| 482 | XX |  |  | XX A |
| 483 | XX |  |  | XX A |
| 484 | XX |  |  | XX A |
| 486 | XX |  |  | XX A B |
| 487 | XX |  |  | XX A C |
| 490 | XX |  |  | XX A |
| 491 | XX |  |  | XX C A |
| 492 | XX |  |  | XX D A |
| 498 | XX |  |  | XX A |
| 499 | XX |  |  | XX A |
| 501 | XX |  |  | XX B C A |
| 504 | XX |  |  | XX A |
| 507 | XX |  |  | XX D C A |
| 509 | XX |  |  | XX A |
| 510 | XX |  |  | XX A |
| 516 | XX |  |  | XX A |
| 519 | XX |  |  | XX A |
| 522 | XX |  |  | XX A B |
| 524 | XX |  |  | XX A |
| 525 | XX |  |  | XX C A |
| 532 | XX |  |  | XX A |
| 535 | XX |  |  | XX A |
| 536 | XX |  |  | XX A |
| 537 | XX |  |  | XX A |
| 541 | XX |  |  | XX A |
| 542 | XX |  |  | XX A |
| 544 | XX |  |  | XX A |
| 549 | XX |  |  | XX C A |
| 550 | XX |  |  | XX A |
| 551 | XX |  |  | XX C A |
| 552 | XX |  |  | XX A |
| 554 | XX |  |  | XX C A |
| 558 | XX |  |  | XX A |
| 560 | XX |  |  | XX D C A |
| 566 | XX |  |  | XX A |
| 567 | XX |  |  | XX A C |
| 568 | XX |  |  | XX C A |
| 569 | XX |  |  | XX A |
| 571 | XX |  |  | XX C A |
| 575 | XX |  |  | XX A |
| 577 | XX |  |  | XX A |
| 581 | XX |  |  | XX D A |
| 586 | XX |  |  | XX A |
| 594 | XX |  |  | XX A |
| 595 | XX |  |  | XX A |
| 596 | XX |  |  | XX A |
| 598 | XX |  |  | XX A |
| 599 | XX |  |  | XX A B |
| 602 | XX |  |  | XX A |
| 603 | XX |  |  | XX A |
| 605 | XX |  |  | XX D A |
| 608 | XX |  |  | XX A |
| 611 | XX |  |  | XX A C |
| 614 | XX |  |  | XX A |
| 616 | XX |  |  | XX A |
| 617 | XX |  |  | XX A B |
| 618 | XX |  |  | XX A C |
| 619 | XX |  |  | XX A |
| 620 | XX |  |  | XX A |
| 622 | XX |  |  | XX A |
| 630 | XX |  |  | XX A |
| 631 | XX |  |  | XX A |
| 636 | XX |  |  | XX A |
| 640 | XX |  |  | XX D A |
| 641 | XX |  |  | XX A |
| 642 | XX |  |  | XX A |
| 643 | XX |  |  | XX A |
| 646 | XX |  |  | XX A C |
| 655 | XX |  |  | XX B A |
| 656 | XX |  |  | XX C A |
| 658 | XX |  |  | XX A C |
| 661 | XX |  |  | XX A |
| 663 | XX |  |  | XX A |
| 669 | XX |  |  | XX D A |
| 671 | XX |  |  | XX A |
| 672 | XX |  |  | XX A |
| 673 | XX |  |  | XX A |
| 675 | XX |  |  | XX A |
| 677 | XX |  |  | XX A |
| 679 | XX |  |  | XX A |
| 690 | XX |  |  | XX A |
| 691 | XX |  |  | XX A |
| 693 | XX |  |  | XX A |
| 701 | XX |  |  | XX A |
| 703 | XX |  |  | XX A B |
| 704 | XX |  |  | XX A |
| 711 | XX |  |  | XX A B |
| 722 | XX |  |  | XX A B |
| 723 | XX |  |  | XX A C |
| 726 | XX |  |  | XX A |
| 728 | XX |  |  | XX A |
| 732 | XX |  |  | XX A |
| 734 | XX |  |  | XX A |
| 737 | XX |  |  | XX A |
| 742 | XX |  |  | XX A B |
| 743 | XX |  |  | XX A B |
| 746 | XX |  |  | XX C A B |
| 747 | XX |  |  | XX A |
| 748 | XX |  |  | XX A |
| 750 | XX |  |  | XX D C A |
| 753 | XX |  |  | XX A |
| 754 | XX |  |  | XX A B |
| 755 | XX |  |  | XX B C A |
| 763 | XX |  |  | XX A B |
| 764 | XX |  |  | XX A |
| 767 | XX |  |  | XX A |
| 768 | XX |  |  | XX A |
| 769 | XX |  |  | XX A |
| 770 | XX |  |  | XX A |
| 771 | XX |  |  | XX A B |
| 773 | XX |  |  | XX A |
| 776 | XX |  |  | XX A |
| 777 | XX |  |  | XX A |
| 778 | XX |  |  | XX A C B |
| 779 | XX |  |  | XX A |
| 780 | XX |  |  | XX A |
| 781 | XX |  |  | XX A |
| 784 | XX |  |  | XX A |
| Removed from deal | XX |  |  | XX A |
| 786 | XX |  |  | XX A |
| 787 | XX |  |  | XX A |
| 789 | XX |  |  | XX A |
| 792 | XX |  |  | XX A |
| 793 | XX |  |  | XX A C |
| 794 | XX |  |  | XX C A B |
| 796 | XX |  |  | XX A B |
| 799 | XX |  |  | XX A C |
| 801 | XX |  |  | XX A |
| 803 | XX |  |  | XX A |
| 804 | XX |  |  | XX A C |
| 805 | XX |  |  | XX A |
| 807 | XX |  |  | XX B A |
| 808 | XX |  |  | XX D A |
| 809 | XX |  |  | XX D A |
| 810 | XX |  |  | XX A |
| 811 | XX |  |  | XX A |
| 812 | XX |  |  | XX A |
| 814 | XX |  |  | XX A C |
| 817 | XX |  |  | XX A |
| 818 | XX |  |  | XX A |
| 819 | XX |  |  | XX A |
| 820 | XX |  |  | XX A |
| 821 | XX |  |  | XX B A |
| 824 | XX |  |  | XX B A |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Marketing ID** | **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** | **Primary Appraisal Occupancy** |
| 526 | XX |  |  | XX | NRZ Smart Vest STR 30 Year Fixed w/3 Year PPP | Debt Service Coverage Ratio | Present | No | 0 | 9500 | Short Term Rental | 5933.33 | XX | 12 | 58.00% | 5933.33 | XX | Yes | 70.23 | 1.424 | 1.424 | 4166.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 75000 |  |  |  | 5933.33 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 8.45 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 65 | XX |  |  | XX | DSCR | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 5883.33 | XX | 12 | 50.00% | 5883.33 | XX | Yes | 129.44 | 0.77 | 0.773 | 7615.25 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 160400 |  |  |  | 5883.33 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 139.42 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 280 | XX |  |  | XX | DSCR | Debt Service Coverage Ratio | Present | No | 0 | 2000 | Short Term Rental | 2850 | XX | 12 | 52.00% | 2850 | XX | Yes | 52.89 | 1.89 | 1.891 | 1507.24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 48600 |  |  |  | 2850 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 45.45 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 363 | XX |  |  | XX | DSCR | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 3011 | XX | 12 | 60.00% | 3011 | XX | Yes | 90.57 | 1.1 | 1.104 | 2726.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 53130 |  |  |  | 3011 |  |  |  |  |  |  |  | No | 0 | 2 | 1 | N/A | 207.71 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 408 | XX |  |  | XX | NRZ Smart Vest STR 30 Year Fixed w/3 Year PPP | Debt Service Coverage Ratio | Present | No | 0 | 1670 | Short Term Rental | 2791.67 | XX | 12 | 41.00% | 2791.67 | XX | Yes | 72.61 | 1.377 | 1.377 | 2027.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 20040 |  |  |  | 2791.67 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 34.13 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 449 | XX |  |  | XX | NRZ Smart Vest STR 30 Year Fixed w/3 Year PPP | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 5108.33 | XX | 12 | 60.00% | 5108.33 | XX | Yes | 60.96 | 1.63 | 1.64 | 3114.29 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 49650 |  |  |  | 5108.33 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 136.08 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 460 | XX |  |  | XX | NRZ Smart Vest STR 30 Year Fixed w/3 Year PPP | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 6625 | XX | 12 | 78.00% | 6625 | XX | Yes | 69.67 | 1.435 | 1.435 | 4615.71 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2400 |  |  |  | 6625 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 10.16 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 491 | XX |  |  | XX | DSCR | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 6491.66 | XX | 12 | 77.00% | 6491.66 | XX | Yes | 46.29 | 2.14 | 2.16 | 3005.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2000 |  |  |  | 6491.66 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 59.34 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Vacant |
| 499 | XX |  |  | XX | NRZ Smart Vest STR 30 Year Fixed w/3 Year PPP | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 4450 | XX | 12 | 56.00% | 4450 | XX | Yes | 73.52 | 1.36 | 1.36 | 3271.48 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 17000 |  |  |  | 4450 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 85 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XX | Owner |
| 519 | XX |  |  | XX | DSCR | Debt Service Coverage Ratio | Present | No | 0 | 2200 | Short Term Rental | 5525 | XX | 1 | 58.00% | 5525 | XX | Yes | 67.68 | 1.47 | 1.478 | 3739.26 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 100000 |  |  |  | 5525 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 72.71 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 524 | XX |  |  | XX | NRZ Smart Vest Interest Only STR 30 Year Fixed w/1 Year PPP | Debt Service Coverage Ratio | Present | No | 0 | 2850 | Short Term Rental | 3600 | XX | 12 | 45.00% | 3600 | XX | Yes | 68.23 | 1.466 | 1.466 | 2456.32 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 34200 |  |  |  | 3600 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 87.93 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 525 | XX |  |  | XX | NRZ Smart Vest STR 30 Year Fixed w/3 Year PPP | Debt Service Coverage Ratio | Present | No | 0 | 1700 | Short Term Rental | 2658.33 | XX | 12 | 68.00% | 2658.33 | XX | Yes | 74.77 | 1.32 | 1.337 | 1987.63 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 23316.24 |  |  |  | 2658.33 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 29.08 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Vacant |
| 566 | XX |  |  | XX | DSCR | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 2716.66 | XX | 12 | 48.00% | 2716.66 | XX | Yes | 68.86 | 1.45 | 1.452 | 1870.64 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1850 |  |  |  | 2716.66 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 10.9 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Vacant |
| 575 | XX |  |  | XX | DSCR | Debt Service Coverage Ratio | Present | No | 0 | 4800 | Short Term Rental | 9616.67 | XX | 12 | 72.00% | 9616.67 | XX | Yes | 56.56 | 1.79 | 1.768 | 5439.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 57600 |  |  |  | 9616.67 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 16.72 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 598 | XX |  |  | XX | DSCR | Debt Service Coverage Ratio | Present | No | 0 | 5500 | Short Term Rental | 8733.33 | XX | 1 | 42.00% | 8733.33 | XX | Yes | 93.89 | 1.04 | 1.065 | 8200.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 98400.6 |  |  |  | 8733.33 |  |  |  |  |  |  |  | No | 0.1 | 1 | 1 | N/A | 430.02 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 643 | XX |  |  | XX | DSCR | Debt Service Coverage Ratio | Present | No | 0 | 3500 | Short Term Rental | 13766 | XX | 1 | 60.00% | 13766 | XX | Yes | 41.08 | 2.43 | 2.434 | 5654.56 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 64854.72 |  |  |  | 13766 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 11.24 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 656 | XX |  |  | XX | DSCR | Debt Service Coverage Ratio | Present | No | 0 | 7775 | Short Term Rental | 6491.66 | XX | 12 | 77.00% | 6491.66 | XX | Yes | 46.69 | 2.14 | 2.142 | 3031.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2000 |  |  |  | 6491.66 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 57.6 | Yes | XX | Limited Liability Corporation (LLC) | Individual Guarantor | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XX | Vacant |
| 679 | XX |  |  | XX | NRZ Smart Vest STR 30 Year Fixed w/3 Year PPP | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 16550 | XX | 12 | 71.00% | 16550 | XX | Yes | 55.2 | 1.81 | 1.812 | 9136.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 67000 |  |  |  | 16550 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 13.83 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 732 | XX |  |  | XX | NRZ Smart Vest Interest Only STR 30 Year Fixed w/1 Year PPP | Debt Service Coverage Ratio | Present | No | 0 | 4300 | Short Term Rental | 4925 | XX | 12 | 66.00% | 4925 | XX | Yes | 94.2 | 1.062 | 1.062 | 4639.55 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 68200 |  |  |  | 4925 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 7.44 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 780 | XX |  |  | XX | DSCR | Debt Service Coverage Ratio | Present | No | 0 | 3000 | Short Term Rental | 4841.67 | XX | 1 | 62.00% | 4841.67 | XX | Yes | 62.1 | 1.5 | 1.61 | 3006.7 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30123.72 |  |  |  | 4841.67 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 27.66 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 784 | XX |  |  | XX | NRZ Smart Vest STR 40 Year Fixed Interest Only w/3 Year PPP | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 3158.33 | XX | 12 | 76.00% | 3158.33 | XX | Yes | 75.28 | 1.32 | 1.328 | 2377.59 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 37899.96 |  |  |  | 3158.33 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 251.34 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 787 | XX |  |  | XX | NRZ Smart Vest STR 30 Year Fixed w/3 Year PPP | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 4725 | XX | 12 | 51.00% | 4725 | XX | Yes | 94.3 | 1.06 | 1.06 | 4455.84 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 90000 |  |  |  | 4725 |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 7.15 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 808 | XX |  |  | XX | NRZ Smart Vest STR 30 Year Fixed w/3 Year PPP | Debt Service Coverage Ratio | Present | No | 0 | 1800 | Short Term Rental | 2833.33 | XX | 12 | 48.00% | 2833.33 | XX | Yes | 99.8 | 1.002 | 1.002 | 2827.76 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 21600 |  |  |  | 2833.33 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 35.44 | No |  |  | Vested Individual | XX | XX | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Marketing ID** | **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?** |
| 1 | XX | XX |  |  | Closed | 2025-XX-10 06:27 | 2025-XX-03 18:34 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. ID uploaded. - Buyer-10/XX/2025 <br>Open-Missing Borrower Identification - Borrower 1. - Due Diligence Vendor-09/XX/2025 |  | Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-11/04/2025<br>| XX |  |  | ND | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A |
| 1 | XX | XX |  |  | Closed | 2025-XX-10 08:44 | 2025-XX-10 15:51 | 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 is non-material and will be rated a B for all agencies - Due Diligence Vendor-09/XX/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 is non-material and will be rated a B for all agencies - Due Diligence Vendor-09/10/2025<br>|  |  |  | ND | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | Investor Post-Close | No |
| 2 | XX | XX |  |  | Closed | 2025-XX-11 06:39 | 2025-XX-23 11:02 | Resolved | 1 - Information | Credit | Closing | Borrower 1 Photo ID is expired | Resolved-Borrower photo ID expiration date is 12-XX-2032 and note is dated 07-XX-2025. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. uploaded ID - Buyer-10/XX/2025 <br>Open-Borrower photo ID expiration date is 12-XX-2024 and note is dated 07-XX-2025. - Due Diligence Vendor-09/XX/2025 |  | Resolved-Borrower photo ID expiration date is 12-XX-2032 and note is dated 07-XX-2025. - Due Diligence Vendor-10/23/2025<br>| XX |  |  | GA | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 2 | XX | XX |  |  | Closed | 2025-XX-12 10:09 | 2025-XX-12 10:09 | 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/XX/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-09/12/2025<br>|  |  |  | GA | Primary Residence | Purchase | NA | XX | Investor Post-Close | No |
| 5 | XX | XX |  |  | Closed | 2025-XX-19 16:01 | 2025-XX-12 17:32 | Resolved | 1 - Information | Compliance | Disclosure | Escrow for Flood Insurance Not Established | Resolved-The HOI dec page includes flood insurance as evidence the HOI escrow includes flood. Condition cleared. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-The Hazard insurance has a line item for the flood amount included in the total hazard premium. The hazard premium includes the flood premium and the hazard is escrowed. - Buyer-11/XX/2025 <br>Counter-Per the Smart Series underwriting guide 04-XX-2025, section 3A.5(h) 'An escrow of funds for the payment of flood insurance is always required'. Subject is located in Zone AE and in a special Flood Zone; therefore, Flood Insurance is required and must be escrowed. The escrow for flood insurance was not escrowed per the IEADS or the Final Closing Disclosure. Finding remains. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. - Investor-10/XX/2025 <br>Counter-Lender provided copy of current flood policy. However, Flood is not escrowed on the final CD for subsequent years. Finding Remains. - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-08/XX/2025 <br>Open-Flood Insurance Escrow Required, not established at consummation. - Due Diligence Vendor-08/XX/2025 |  | Resolved-The HOI dec page includes flood insurance as evidence the HOI escrow includes flood. Condition cleared. - Due Diligence Vendor-11/12/2025<br>| XX |  |  | SC | Second Home | Refinance | Cash Out - Other | XX | N/A | N/A |
| 5 | XX | XX |  |  | Closed | 2025-XX-08 09:14 | 2025-XX-16 12:51 | Resolved | 1 - Information | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Lender provided Homeownership Counseling Discl. Finding Resolved - Due Diligence Vendor-09/XX/2025 <br>Ready for Review-Document Uploaded. uploaded HC list - Investor-09/XX/2025 <br>Open-Homeownership Counselor Document is missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-08/XX/2025 |  | Resolved-Lender provided Homeownership Counseling Discl. Finding Resolved - Due Diligence Vendor-09/16/2025<br>| XX |  |  | SC | Second Home | Refinance | Cash Out - Other | XX | N/A | N/A |
| 5 | XX | XX |  |  | Closed | 2025-XX-08 09:18 | 2025-XX-28 13:37 | Resolved | 1 - Information | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-Lender provided Flood Policy. Finding Resolved - Due Diligence Vendor-08/XX/2025 <br>Resolved-Missing Flood Insurance Policy - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. - Investor-08/XX/2025 <br>Open-Missing Flood Insurance Policy, Flood Zone falls - Due Diligence Vendor-08/XX/2025 |  | Resolved-Lender provided Flood Policy. Finding Resolved - Due Diligence Vendor-08/28/2025 <br>Resolved-Missing Flood Insurance Policy - Due Diligence Vendor-08/28/2025<br>| XX |  |  | SC | Second Home | Refinance | Cash Out - Other | XX | N/A | N/A |
| 7 | XX | XX |  |  | Closed | 2025-XX-20 11:18 | 2025-XX-10 10:33 | Resolved | 1 - Information | Compliance | Disclosure | ECOA: Second Appraisal Not Provided to Applicant | Resolved-Lender provided evidence the full 2nd appraisal was provided to the borrower. Condition cleared. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. - Investor-11/XX/2025 <br>Counter-A copy of the 2nd appraisal sent to the borrower is cut off at the bottom of each page. Please provide evidence the borrower received a copy of the full appraisal. Condition maintained. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review- - Due Diligence Vendor-10/XX/2025 <br>Counter-A copy of the 2nd appraisal sent to the borrower is cut off at the bottom of each page. Please provide evidence the borrower received a copy of the full appraisal. Condition maintained. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-10/XX/2025 <br>Open-ECOA Non-Compliant: Second Appraisal present, no evidence it was provided to applicant. - Due Diligence Vendor-08/XX/2025 | Document Uploaded. - 10/29/2025 <br>| Resolved-Lender provided evidence the full 2nd appraisal was provided to the borrower. Condition cleared. - Due Diligence Vendor-11/10/2025<br>| XX |  |  | TX | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 7 | XX | XX |  |  | Closed | 2025-XX-20 11:17 | 2025-XX-29 09:45 | Resolved | 1 - Information | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Resolved-Lender provided evidence the borrower received the 1st appraisal. Condition cleared. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-10/XX/2025 <br>Counter-Please provide evidence the borrower received a copy of the full appraisal either electronically, in person, or via USPS. Condition maintained. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. - Investor-10/XX/2025 <br>Counter-Lender provided origination appraisal. The finding is for missing evidence the borrower(s) received the appraisal. Finding remains. - Due Diligence Vendor-09/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-09/XX/2025 <br>Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-08/XX/2025 |  | Resolved-Lender provided evidence the borrower received the 1st appraisal. Condition cleared. - Due Diligence Vendor-10/29/2025<br>| XX |  |  | TX | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 11 | XX | XX |  |  | Closed | 2025-XX-19 09:53 | 2025-XX-20 19:38 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Business Day Waiting Period Date Warnings | Resolved-Lender provided corrected disclosure. Condition cleared. - Due Diligence Vendor-11/XX/2025 <br>Resolved-Resolved - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-11/XX/2025 <br>Open-You submitted a Prior Closing Disclosure Received Date (2025-XX-29) earlier than the Prior Closing Disclosure Date Issued (2025-XX-04). The System cannot perform a Reg Z business day disclosure waiting period review without accurate dates. (12 CFR 1026.17(f); 1026.37; 1026.19(f); 1026.22(a)(2)) - Due Diligence Vendor-09/XX/2025 <br>Open- - Due Diligence Vendor-09/XX/2025 |  | Resolved-Lender provided corrected disclosure. Condition cleared. - Due Diligence Vendor-11/21/2025 <br>Resolved-Resolved - Due Diligence Vendor-11/21/2025<br>| XX |  |  | VA | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| 11 | XX | XX |  |  | Closed | 2025-XX-18 09:03 | 2025-XX-18 09:03 | 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/XX/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-09/18/2025<br>|  |  |  | VA | Primary Residence | Refinance | Cash Out - Other | XX | Investor Post-Close | No |
| 12 | XX | XX |  |  | Closed | 2025-XX-05 05:30 | 2025-XX-03 09:06 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Lender provided state issue driver's license. Finding resolved - Due Diligence Vendor-10/XX/2025 <br>Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-10/XX/2025 <br>Open-Missing Borrower Identification - Borrower 1. - Due Diligence Vendor-09/XX/2025 |  | Resolved-Lender provided state issue driver's license. Finding resolved - Due Diligence Vendor-10/03/2025 <br>Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-10/03/2025<br>| XX |  |  | ID | Investment | Purchase | NA | XX | N/A | N/A |
| 13 | XX | XX |  |  | Closed | 2025-XX-16 14:58 | 2025-XX-23 09:32 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Received copy of valid ID. Finding resolved. - Due Diligence Vendor-10/XX/2025 <br>Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. uploaded ID - Buyer-10/XX/2025 <br>Open-Missing Borrower Identification - Borrower 1. - Due Diligence Vendor-09/XX/2025 |  | Resolved-Received copy of valid ID. Finding resolved. - Due Diligence Vendor-10/23/2025 <br>Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-10/23/2025<br>| XX |  |  | ID | Investment | Purchase | NA | XX | N/A | N/A |
| 14 | XX | XX |  |  | Closed | 2025-XX-18 06:59 | 2025-XX-03 18:28 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 2 | Resolved-Borrower Identification - Borrower 2 provided. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-10/XX/2025 <br>Open-Missing Borrower Identification - Borrower 2. - Due Diligence Vendor-09/XX/2025 |  | Resolved-Borrower Identification - Borrower 2 provided. - Due Diligence Vendor-11/04/2025<br>| XX |  |  | MA | Second Home | Purchase | NA | XX | N/A | N/A |
| 14 | XX | XX |  |  | Closed | 2025-XX-18 06:59 | 2025-XX-03 18:27 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-10/XX/2025 <br>Open-Missing Borrower Identification - Borrower 1. - Due Diligence Vendor-09/XX/2025 |  | Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-11/04/2025<br>| XX |  |  | MA | Second Home | Purchase | NA | XX | N/A | N/A |
| 16 | XX | XX |  |  | Closed | 2025-XX-04 13:00 | 2026-XX-18 05:41 | Resolved | 1 - Information | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 9.99 month(s) are greater than or equal to Guideline Required Reserves of 8 month(s) - Due Diligence Vendor-01/XX/2026 <br>Resolved-Use of available funds from Heloc on departure residence confirms sufficient assets for funds to close and reserves. Resolved. - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. Lenders response is uploaded. - Buyer-08/XX/2025 <br>Open-Audited Reserves of zero months are less than Guideline Required Reserves of 8 months. - Due Diligence Vendor-08/XX/2025 |  | Resolved-Audited Reserves of 9.99 month(s) are greater than or equal to Guideline Required Reserves of 8 month(s) - Due Diligence Vendor-01/18/2026 <br>Resolved-Use of available funds from Heloc on departure residence confirms sufficient assets for funds to close and reserves. Resolved. - Due Diligence Vendor-08/29/2025<br>| XX |  |  | CA | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 16 | XX | XX |  |  | Closed | 2025-XX-04 13:54 | 2026-XX-17 17:23 | 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-01/XX/2026 <br>Resolved- - Due Diligence Vendor-08/XX/2025 <br>Resolved- - Due Diligence Vendor-08/XX/2025 <br>Resolved-Use of available funds from Heloc on departure residence confirms sufficient assets for funds to close and reserves. Resolved. - Due Diligence Vendor-08/XX/2025 <br>Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements - Due Diligence Vendor-08/XX/2025 <br>Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. Lenders response is uploaded - Investor-08/XX/2025 <br>Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Insufficient assets for funds to close and required reserves. - Due Diligence Vendor-08/XX/2025 |  | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-01/17/2026 <br>Resolved-XX- Due Diligence Vendor-08/29/2025 <br>Resolved-XX- Due Diligence Vendor-08/29/2025 <br>Resolved-Use of available funds from Heloc on departure residence confirms sufficient assets for funds to close and reserves. Resolved. - Due Diligence Vendor-08/29/2025<br>| XX |  |  | CA | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 16 | XX | XX |  |  | Closed | 2025-XX-24 14:32 | 2026-XX-17 17:23 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Total Qualified Assets for Reserves Post-Close of $147933.85 is equal to or greater than Total Required Reserve Amount of $118493.36 - Due Diligence Vendor-01/XX/2026 <br>Resolved-Use of available funds from Heloc on departure residence confirms sufficient assets for funds to close and reserves. Resolved. - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. Lenders response is uploaded - Seller-08/XX/2025 <br>Open-Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $118493.36 - Due Diligence Vendor-07/XX/2025 | Ready for Review-Document Uploaded. Lenders response is uploaded - Seller-08/27/2025<br>| Resolved-Total Qualified Assets for Reserves Post-Close of $147933.85 is equal to or greater than Total Required Reserve Amount of $118493.36 - Due Diligence Vendor-01/17/2026 <br>Resolved-Use of available funds from Heloc on departure residence confirms sufficient assets for funds to close and reserves. Resolved. - Due Diligence Vendor-08/29/2025<br>| XX |  |  | CA | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 16 | XX | XX |  |  | Closed | 2025-XX-24 14:32 | 2026-XX-17 17:23 | Resolved | 1 - Information | Credit | Assets | Insufficient asset documentation in file - assets do not cover closing costs | Resolved-Sufficient asset documentation provided. Use of available funds from Heloc on departure residence confirms sufficient assets for funds to close and reserves. Resolved. - Due Diligence Vendor-08/XX/2025 <br>Ready for Review-Document Uploaded. Lenders response is uploaded - Buyer-08/XX/2025 <br>Open-Insufficient asset documentation in file - assets do not cover closing costs. Verified assets of $598,213.14 less cash to close of $620,279.30 results in $22,066.16 shortage of funds to close. - Due Diligence Vendor-08/XX/2025 |  | Resolved-Sufficient asset documentation provided. Use of available funds from Heloc on departure residence confirms sufficient assets for funds to close and reserves. Resolved. - Due Diligence Vendor-08/29/2025<br>| XX |  |  | CA | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 16 | XX | XX |  |  | Closed | 2025-XX-22 09:11 | 2025-XX-28 13:56 | Resolved | 1 - Information | Property | Missing Doc | Missing Second Appraisal (Property) | Resolved-Documentation received, finding resolved - Due Diligence Vendor-10/XX/2025 <br> Resolved-Second appraisal was provided - Due Diligence Vendor-10/XX/2025 <br> Ready for Review-Document Uploaded. - Investor-10/XX/2025 <br> Counter-Email sent to client for approval. Will update once response received. - Due Diligence Vendor-10/XX/2025 <br> Ready for Review-Update from lender on status of the post note appraisal:&nbsp;&nbsp;&nbsp;&nbsp; Has an appraiser who will conduct but will need to provide value subject to a new need for partial cabinet replacement in kitchen. <br> Borrower went on vacation after closing and came back to a leak in Kitchen. Began removing cabinets for replacement. <br> Are we okay to have them proceed, and can sale be completed on receipt of appraisal, letting us follow thru in a post sale Escrow Repair follow up? - Investor-10/XX/2025 <br> Counter-A post close second valuation is acceptable. As long as the value is supported, the best the loan will be graded is a 2/B. - Due Diligence Vendor-09/XX/2025 <br> Ready for Review-We are asking that your team contact XX, and facilitate exception approval [now] for a post note appraisal.&nbsp;&nbsp;&nbsp;&nbsp; I understand that an exception was not already done for the loan, to permit a post note appraisal.&nbsp;&nbsp;&nbsp;&nbsp; Lender has stated to me that they will obtain one, and at their cost, but wants to make sure that it will be acceptable, permitting cure of the loan.&nbsp;&nbsp;&nbsp;&nbsp; thank you. - Investor-09/XX/2025 <br> Counter-Second appraisal is missing. A lender waiver or exception for this deficiency was not provided. Finding remains. - Due Diligence Vendor-08/XX/2025 <br> Ready for Review-Document Uploaded. Lenders response uploaded - Seller-08/XX/2025 <br> Open-The lender's guidelines requires two appraisals and the second appraisal was not provided. The lender's guideline requires two appraisals when the loan amount is greater than $1,500,000; however, the second appraisal was not provided. - Due Diligence Vendor-08/XX/2025 | Ready for Review-Document Uploaded. Lenders response uploaded - Seller-08/27/2025<br>| Resolved-Documentation received, finding resolved - Due Diligence Vendor-10/28/2025 <br>Resolved-Second appraisal was provided - Due Diligence Vendor-10/28/2025<br>| XX |  |  | CA | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 19 | XX | XX |  |  | Closed | 2025-XX-19 03:55 | 2026-XX-18 05:43 | Resolved | 1 - Information | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Resolved-Lender provided appraisal acknowledgement. Condition cleared. - Due Diligence Vendor-10/XX/2025 <br>Resolved-ECOA Compliant: Appraisal present; evidence appraisal was provided to applicant. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. appraisal doc uploaded - Buyer-10/XX/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-09/XX/2025 |  | Resolved-Lender provided appraisal acknowledgement. Condition cleared. - Due Diligence Vendor-10/20/2025 <br>Resolved-ECOA Compliant: Appraisal present; evidence appraisal was provided to applicant. - Due Diligence Vendor-10/20/2025<br>| XX |  |  | NC | Investment | Purchase | NA | XX | N/A | N/A |
| 19 | XX | XX |  |  | Closed | 2025-XX-19 04:06 | 2025-XX-13 07:37 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Lender provided Hazard Policies for REO on 3B to 3H on the final loan application. Finding Resolved. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-11/XX/2025 <br>Open-Missing verification of Hazard Insurance Premium for the properties disclosed on lines 3B to 3H on the final loan application. - Due Diligence Vendor-09/XX/2025 |  | Resolved-Lender provided Hazard Policies for REO on 3B to 3H on the final loan application. Finding Resolved. - Due Diligence Vendor-11/13/2025<br>| XX |  |  | NC | Investment | Purchase | NA | XX | N/A | N/A |
| 22 | XX | XX |  |  | Closed | 2025-XX-27 10:14 | 2026-XX-16 14:45 | Resolved | 1 - Information | Compliance | Missing Doc | PUD Rider is Missing | Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-01/XX/2026 <br>Resolved-Lender provided PUD rider. Condition cleared. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-11/XX/2025 <br>Open-Missing Mortgage Riders – PUD Rider - Due Diligence Vendor-08/XX/2025 |  | Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-01/16/2026 <br>Resolved-Lender provided PUD rider. Condition cleared. - Due Diligence Vendor-11/26/2025<br>| XX |  |  | IL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A |
| 22 | XX | XX |  |  | Closed | 2025-XX-27 09:32 | 2025-XX-14 17:53 | Resolved | 1 - Information | Compliance | Missing Doc | Homeownership Counseling Organizations Disclosure Missing or Incomplete | Resolved-Lender provided Homeownership Counseling Disclosure. Condition cleared. - Due Diligence Vendor-10/XX/2025 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. counseling forms uploaded here. - Buyer-10/XX/2025 <br>Open-Homeownership Counseling Organizations Disclosure Missing or Incomplete Homeownership Counseling Organizations Disclosure Missing - Due Diligence Vendor-08/XX/2025 |  | Resolved-Lender provided Homeownership Counseling Disclosure. Condition cleared. - Due Diligence Vendor-10/14/2025 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-10/14/2025<br>| XX |  |  | IL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A |
| 24 | XX | XX |  |  | Closed | 2025-XX-22 10:22 | 2025-XX-04 11:43 | Resolved | 1 - Information | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Lender provided Third party Fraud Report. Finding resolved. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-11/XX/2025 <br>Counter-Lender provided a 1 page document identified as xactus RiskView Liens & Judgements. Condition is for missing Fraud Report. Please provide Fraud Report. Finding Remains. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. fraud report uploaded - Buyer-10/XX/2025 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-09/XX/2025 |  | Resolved-Lender provided Third party Fraud Report. Finding resolved. - Due Diligence Vendor-11/04/2025<br>| XX |  |  | IL | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 37 | XX | XX |  |  | Closed | 2025-XX-10 11:34 | 2025-XX-22 09:04 | Resolved | 1 - Information | Compliance | Missing Doc | Homeownership Counseling Organizations Disclosure Missing or Incomplete | Resolved-Lender provided Homeownership Counseling Organizations Disclosure. Condition cleared. - Due Diligence Vendor-10/XX/2025 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. Counseling doc uploaded - Investor-10/XX/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/XX/2025 |  | Resolved-Lender provided Homeownership Counseling Organizations Disclosure. Condition cleared. - Due Diligence Vendor-10/22/2025 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-10/22/2025<br>| XX |  |  | MD | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 37 | XX | XX |  |  | Closed | 2025-XX-10 14:31 | 2025-XX-22 09:04 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Lender provided valid COC. Condition cleared. - Due Diligence Vendor-10/XX/2025 <br>Resolved-Resolved - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. COC uploaded - Investor-10/XX/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 Desk 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)). The Collateral Desktop Analysis Fee increased on the LE dated 07/XX/2025 without a valid COC. No Cure. - Due Diligence Vendor-09/XX/2025 <br>Open- - Due Diligence Vendor-09/XX/2025 <br>Open- - Due Diligence Vendor-09/XX/2025 |  | Resolved-Lender provided valid COC. Condition cleared. - Due Diligence Vendor-10/22/2025 <br>Resolved-Resolved - Due Diligence Vendor-10/22/2025<br>| XX |  |  | MD | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 37 | XX | XX |  |  | Closed | 2025-XX-10 14:31 | 2025-XX-22 09:04 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Resolved-Lender provided valid COC. Condition cleared. - Due Diligence Vendor-10/XX/2025 <br>Resolved-Resolved - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. COC uploaded - Seller-10/XX/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: Appraisal Desk 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. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The Loan Estimate, dated 06/XX/2025, does not reflect a Collateral Desktop Analysis fee. Final CD dated 08/XX/2025 reflects a Collateral Desktop Analysis fee of $90.00. 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 $90.00 is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower.<br>Tolerance cure of $90.00 to be provided within 60 days of discovery. - Due Diligence Vendor-09/XX/2025 <br>Open- - Due Diligence Vendor-09/XX/2025 <br>Open- - Due Diligence Vendor-09/XX/2025 | Ready for Review-Document Uploaded. COC uploaded - Seller-10/22/2025<br>| Resolved-Lender provided valid COC. Condition cleared. - Due Diligence Vendor-10/22/2025 <br>Resolved-Resolved - Due Diligence Vendor-10/22/2025<br>| XX |  |  | MD | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 40 | XX | XX |  |  | Closed | 2025-XX-06 13:50 | 2025-XX-28 13:45 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Documentation received, finding resolved - Due Diligence Vendor-10/XX/2025 <br>Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-10/XX/2025 <br>Open-Missing Borrower Identification - Borrower 1. - Due Diligence Vendor-10/XX/2025 |  | Resolved-Documentation received, finding resolved - Due Diligence Vendor-10/28/2025 <br>Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-10/28/2025<br>| XX |  |  | MA | Second Home | Purchase | NA | XX | N/A | N/A |
| 41 | XX | XX |  |  | Closed | 2025-XX-19 12:03 | 2025-XX-27 11:41 | Resolved | 1 - Information | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Lender provided evidence of lock date. Condition cleared. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-10/XX/2025 <br>Open- - Due Diligence Vendor-09/XX/2025 |  | Resolved-Lender provided evidence of lock date. Condition cleared. - Due Diligence Vendor-10/27/2025<br>| XX |  |  | VA | Investment | Purchase | NA | XX | N/A | N/A |
| 42 | XX | XX |  |  | Closed | 2025-XX-11 09:36 | 2025-XX-23 10:55 | Resolved | 1 - Information | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Resolved-Comparable Rent Schedule received. Finding resolved. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. rent compare uploaded - Buyer-10/XX/2025 <br>Open-Missing rent comparable schedule form 1007 for subject property. - Due Diligence Vendor-09/XX/2025 |  | Resolved-Comparable Rent Schedule received. Finding resolved. - Due Diligence Vendor-10/23/2025<br>| XX |  |  | MS | Investment | Purchase | NA | XX | N/A | N/A |
| 42 | XX | XX |  |  | Closed | 2025-XX-12 12:18 | 2025-XX-14 17:59 | 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. Lender provided appraisal waiver signed at closing. Condition cleared. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. appraisal receipt docs uploaded - Buyer-10/XX/2025 <br>Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of 08/XX/2025 is after the Primary Appraisal Delivery Date of 08/XX/2025. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-09/XX/2025 |  | Resolved-ECOA Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. Lender provided appraisal waiver signed at closing. Condition cleared. - Due Diligence Vendor-10/14/2025<br>| XX |  |  | MS | Investment | Purchase | NA | XX | N/A | N/A |
| 47 | XX | XX |  |  | Closed | 2025-XX-06 08:26 | 2026-XX-18 05:50 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Documentation received, finding resolved - Due Diligence Vendor-10/XX/2025 <br>Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-10/XX/2025 <br>Open-Missing Borrower Identification - Borrower 1. Missing Borrower id - Due Diligence Vendor-10/XX/2025 |  | Resolved-Documentation received, finding resolved - Due Diligence Vendor-10/28/2025 <br>Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-10/28/2025<br>| XX |  |  | MA | Second Home | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A |
| 47 | XX | XX |  |  | Closed | 2025-XX-06 08:26 | 2026-XX-18 05:50 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 2 | Resolved-Documentation received, finding resolved - Due Diligence Vendor-10/XX/2025 <br>Resolved-Borrower Identification - Borrower 2 provided. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-10/XX/2025 <br>Open-Missing Borrower Identification - Borrower 2. Missing Borrower id - Due Diligence Vendor-10/XX/2025 |  | Resolved-Documentation received, finding resolved - Due Diligence Vendor-10/28/2025 <br>Resolved-Borrower Identification - Borrower 2 provided. - Due Diligence Vendor-10/28/2025<br>| XX |  |  | MA | Second Home | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A |
| 55 | XX | XX |  |  | Closed | 2025-XX-06 14:49 | 2025-XX-13 13:33 | Resolved | 1 - Information | Credit | Missing Doc | Missing Payoff Statement for prior loan | Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-11/XX/2025 <br>Open-Missing Payoff Statement for prior loan. - Due Diligence Vendor-10/XX/2025 |  | Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-11/13/2025<br>| XX |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A |
| 191 | XX | XX |  |  | Closed | 2025-XX-07 12:49 | 2026-XX-18 05:54 | Resolved | 1 - Information | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Sufficient assets verified to satisfy reserve requirement. Finding resolved. - Due Diligence Vendor-10/XX/2025 <br> Resolved-Audited Reserves of 10.96 month(s) are greater than or equal to Guideline Required Reserves of 0 month(s) - Due Diligence Vendor-10/XX/2025 <br> Ready for Review-Document Uploaded. Please see attached wire for the gift funds. - Buyer-10/XX/2025 <br> Counter-Lender provided asset worksheet. 3 months required for loan amount ($21,646.62), 3 months required for DTI ($21,646.62) and 2 months for each additional REO ($28,862.16). Total required reserves are $72,155,40. Gift funds were not included in eligible reserves due to missing verification the funds were transferred to the borrowers account and source of where the funds came from. Finding Remains. - Due Diligence Vendor-10/XX/2025 <br> Ready for Review-Document Uploaded. Loan size is xx with a DTI of 48%. Reserves required are 3 months for subject due to loan size(21646.62), 3 months for subject due to DTI(21646.62), and 2 months for financed property(5278 and 3604). Total required reserves are $52175.24. Post close reserves are $80620.43 Reserve calculation is in the file along with what assets were used in qualifying the borrower. Asset worksheet is attached. - Investor-10/XX/2025 <br> Open-Audited Reserves of 7.44 month(s) are less than Guideline Required Reserves of 10 month(s) - Due Diligence Vendor-10/XX/2025 |  | Resolved-Sufficient assets verified to satisfy reserve requirement. Finding resolved. - Due Diligence Vendor-10/23/2025 <br>Resolved-Audited Reserves of 10.96 month(s) are greater than or equal to Guideline Required Reserves of 0 month(s) - Due Diligence Vendor-10/23/2025<br>| XX |  |  | CA | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 191 | XX | XX |  |  | Closed | 2025-XX-07 12:59 | 2026-XX-17 17:18 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Sufficient assets verified to satisfy reserve requirement. Finding resolved. - Due Diligence Vendor-10/XX/2025 <br> Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-10/XX/2025 <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements - Due Diligence Vendor-10/XX/2025 <br> Ready for Review-Document Uploaded. Please see attached wire for the gift funds. - Investor-10/XX/2025 <br> Counter-Lender provided asset worksheet. 3 months required for loan amount ($21,646.62), 3 months required for DTI ($21,646.62) and 2 months for each additional REO ($28,862.16). Total required reserves are $72,155,40. Gift funds were not included in eligible reserves due to missing verification the funds were transferred to the borrowers account and source of where the funds came from. Finding Remains. - Due Diligence Vendor-10/XX/2025 <br> Ready for Review-Document Uploaded. Loan size is xx with a DTI of 48%. Reserves required are 3 months for subject due to loan size(21646.62), 3 months for subject due to DTI(21646.62), and 2 months for financed property(5278 and 3604). Total required reserves are $52175.24. Post close reserves are $80620.43 Reserve calculation is in the file along with what assets were used in qualifying the borrower. Asset worksheet is attached. - Buyer-10/XX/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 $53668.04 is less than Total Required Reserve Amount of $72155.4 - Due Diligence Vendor-10/XX/2025 |  | Resolved-Sufficient assets verified to satisfy reserve requirement. Finding resolved. - Due Diligence Vendor-10/23/2025 <br>Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-10/23/2025<br>| XX |  |  | CA | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 191 | XX | XX |  |  | Closed | 2025-XX-07 12:48 | 2026-XX-17 17:18 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Sufficient assets verified to satisfy reserve requirement. Finding resolved. - Due Diligence Vendor-10/XX/2025 <br> Resolved-Total Qualified Assets for Reserves Post-Close of $79113.04 is equal to or greater than Total Required Reserve Amount of $52175.24 - Due Diligence Vendor-10/XX/2025 <br> Ready for Review-Document Uploaded. Please see attached wire for the gift funds. - Buyer-10/XX/2025 <br> Counter-Lender provided asset worksheet. 3 months required for loan amount ($21,646.62), 3 months required for DTI ($21,646.62) and 2 months for each additional REO ($28,862.16). Total required reserves are $72,155,40. Gift funds were not included in eligible reserves due to missing verification the funds were transferred to the borrowers account and source of where the funds came from. Finding Remains. - Due Diligence Vendor-10/XX/2025 <br> Ready for Review-Document Uploaded. Loan size is xx with a DTI of 48%. Reserves required are 3 months for subject due to loan size(21646.62), 3 months for subject due to DTI(21646.62), and 2 months for financed property(5278 and 3604). Total required reserves are $52175.24. Post close reserves are $80620.43 Reserve calculation is in the file along with what assets were used in qualifying the borrower. Asset worksheet is attached. - Buyer-10/XX/2025 <br> Open-Total Qualified Assets for Reserves Post-Close of $53668.04 is less than Total Required Reserve Amount of $72155.4 - Due Diligence Vendor-10/XX/2025 |  | Resolved-Sufficient assets verified to satisfy reserve requirement. Finding resolved. - Due Diligence Vendor-10/23/2025 <br>Resolved-Total Qualified Assets for Reserves Post-Close of $79113.04 is equal to or greater than Total Required Reserve Amount of $52175.24 - Due Diligence Vendor-10/23/2025<br>| XX |  |  | CA | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 191 | XX | XX |  |  | Closed | 2025-XX-23 11:21 | 2026-XX-17 17:18 | Resolved | 1 - Information | Credit | Missing Doc | Asset 10 Missing | Resolved-Sufficient assets verified to satisfy reserve requirement. Finding resolved. - Due Diligence Vendor-10/XX/2025 <br>Resolved-Asset 10 Provided Or Not Applicable - Due Diligence Vendor-10/XX/2025 <br>Open-Asset 10 Missing - Due Diligence Vendor-10/XX/2025 |  | Resolved-Sufficient assets verified to satisfy reserve requirement. Finding resolved. - Due Diligence Vendor-10/23/2025 <br>Resolved-Asset 10 Provided Or Not Applicable - Due Diligence Vendor-10/23/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 194 | XX | XX |  |  | Closed | 2025-XX-01 12:55 | 2025-XX-23 11:43 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Guides silent regarding regarding mortgages that borrower is not personally responsible for therefore defaulting to FNMA guidelines which state that if the borrower is not personally liable, and the business pays the mortgage, then no VOM is required. Payoff statements in file reflect mortgages in the name of the borrower's business. Finding resolved. - Due Diligence Vendor-10/XX/2025 <br> Ready for Review-Drive report does not show mortgages for properties in borrowers name. All docs provided confirm ownership in name of LLC. no VOM is required if borrower is not personally liable on the mortgage<br> - Buyer-10/XX/2025 <br> Counter-Lender provided statement that states 'Borrower held the mtg under a xx and not personally under his name so no payment history is required to be documented.' Per the guidelines, If the mortgage is not verified on the credit report it must be documented by one of the following: VOM by professional management company and/or private party; A copy of the Note & 12 months cancelled checks or bank statements; or Credit Supplement verifying the housing payment history. Please provide copy of guidelines that state if held in an LLC, housing is not required. Finding Remains. - Due Diligence Vendor-10/XX/2025 <br> Ready for Review-Borrower held the mtg under a xx and not personally under his name so no payment history is required to be documented. - Buyer-10/XX/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Missing housing history for the subject and REO properties. - Due Diligence Vendor-10/XX/2025 |  | Resolved-Guides silent regarding regarding mortgages that borrower is not personally responsible for therefore defaulting to FNMA guidelines which state that if the borrower is not personally liable, and the business pays the mortgage, then no VOM is required. Payoff statements in file reflect mortgages in the name of the borrower's business. Finding resolved. - Due Diligence Vendor-10/23/2025<br>|  |  |  | OK | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| 239 | XX | XX |  |  | Closed | 2025-XX-21 03:22 | 2025-XX-24 12:02 | Cured | 2 - Non-Material | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Cured-Lender provided LOE, PCCD, and screenshot reflecting a Principal Reduction of $80.00. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached cure package.<br> - Investor-11/XX/2025 <br>Counter-Please have your Compliance Team review the Washington Foreclosure Prevention Fee Guidance FAQ, uploaded on 10/XX/2025, which states "The Foreclosure Prevention Fee is a finance charge and must be included in the percentage rate calculation when the fee is paid out of the proceeds from the residential mortgage loan. In the event that the Foreclosure Prevention Fee is paid through other means, then it is not included in the calculation of the finance charge and APR." Condition maintained. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Compliance Team response:<br>The lender maintains that the Washington State Foreclosure Prevention Fee should not be included in the APR calculation. Under 12 CFR § 1026.4(a) of Regulation Z, a finance charge is defined as any cost imposed by the creditor as a condition of credit. However, the regulation excludes fees that are not imposed by the creditor and are not a condition of credit extension.<br>As outlined in RCW 61.24.157, the Foreclosure Prevention Fee:<br>•&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Is mandated by state law, not by the lender.<br> •&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Is collected by the settlement agent, not retained by the lender.<br> •&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Is remitted to the state's Foreclosure Fairness Account, with no benefit to the lender.<br>While the legislation allows the fee to be financed through the loan or paid from the borrower's cash at closing, this payment option does not alter its classification. Because the lender does not impose, retain, or require the fee as a condition of credit, it is excluded from the lender's APR calculation under Regulation Z.<br> - Buyer-10/XX/2025 <br>Counter-Lender provided LOE, PCCD, and screenshot reflecting a Principal Reduction of $56.00. However, the finance charges are under disclosed by $136.00 as the WA Foreclosure Prevention Fee must be included in the finance charges. A cure of $80.00 is still outstanding. Condition maintained. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached cure package. - Investor-10/XX/2025 <br>Counter-As provided in the Washington State Foreclosure Prevention Fee Guidance (which I have uploaded for your convenience), the Washington Foreclosure Prevention Fee is a finance charge. The difference appears to be related to the Mortgage Broker Fee. The XX in file reflects $24,552.00 while the final CD reflects $24,608.00 for a difference of $56.00. Condition maintained. - Due Diligence Vendor-10/XX/2025 <br>Open-XX- Due Diligence Vendor-10/XX/2025 <br>Ready for Review-From our Compliance Team: On the Finance Charge – They are incorrect in their calculations, as they appear to be including the $80 Foreclosure Prevention Fee, which is not an APR fee. The Finance Charge is off by $56, the same as the Total of Payments. - Seller-10/XX/2025 <br>Open- - Due Diligence Vendor-09/XX/2025 <br>Open-The disclosed finance charge ($1,945,133.46) is ($136.00) below the actual finance charge($1,945,269.46). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) - Due Diligence Vendor-09/XX/2025 <br>Open- - Due Diligence Vendor-09/XX/2025 | Ready for Review-From our Compliance Team: On the Finance Charge – They are incorrect in their calculations, as they appear to be including the $80 Foreclosure Prevention Fee, which is not an APR fee. The Finance Charge is off by $56, the same as the Total of Payments. - Seller-10/16/2025<br>| Cured-Lender provided LOE, PCCD, and screenshot reflecting a Principal Reduction of $80.00. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/24/2025<br>| XX |  |  | WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A |
| 239 | XX | XX |  |  | Closed | 2025-XX-20 13:07 | 2025-XX-22 17:29 | Cured | 2 - Non-Material | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Total of Payments Foreclosure Rescission Tolerance | Cured-Lender provided LOE, PCCD, and screenshot reflecting a Principal Reduction of $56.00. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/XX/2025 <br> Ready for Review-Document Uploaded. Please see attached cure package. - Investor-10/XX/2025 <br> Counter-Document Uploaded. As provided in the Washington State Foreclosure Prevention Fee Guidance (which I have uploaded for your convenience), the Washington Foreclosure Prevention Fee is a finance charge. Additionally, the xx in file reflects a Mortgage Broker Fee of $24,552.00 while the final CD reflects $24,608.00 for a difference of $56.00. Since the Washington Foreclosure Prevention Fee is a finance charge it must be included in the TOP. Condition maintained. - Due Diligence Vendor-10/XX/2025 <br> Open- - Due Diligence Vendor-10/XX/2025 <br> Open- - Due Diligence Vendor-09/XX/2025 <br> Open- - Due Diligence Vendor-09/XX/2025 <br> Open- - Due Diligence Vendor-09/XX/2025 <br> Open-The disclosed Total of Payments ($3,483,026.10) is understated by more than $35 when compared to the actual Total of Payments of ($3,483,082.10). The difference is ($56.00). After the initiation of foreclosure on the consumer's principal dwelling that secures the credit obligation, Regulation Z considers the disclosed Total of Payments inaccurate if it is understated by more than $35. (12 CFR 1026.23(h)(2)(ii)) - Due Diligence Vendor-09/XX/2025 <br> Open- - Due Diligence Vendor-09/XX/2025 |  | Cured-Lender provided LOE, PCCD, and screenshot reflecting a Principal Reduction of $56.00. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/22/2025<br>| XX |  |  | WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A |
| 422 | XX | XX |  |  | Closed | 2025-XX-03 13:41 | 2025-XX-17 16:03 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Cured-Lender provided evidence of principal reduction in the amount of $49.00. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached cure package. - Investor-10/XX/2025 <br>Counter-Received PCCD reducing the Seller Credit to $2,322 and moving the Credit Report fee to "Paid by Seller". The Breakdown of Credit to Borrower's Closing Costs reflects $0 seller paid closing costs and the XX in file reflects the total $178 as borrower-paid. There's nothing in file dated prior to consummation as evidence the borrower did not pay this fee. Finding Remains. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached PCCD. - Investor-09/XX/2025 <br>Open- - Due Diligence Vendor-09/XX/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 Estimate, dated 07/XX/2025, reflects a Credit Report Fee of $129. Final Closing CD dated 08/XX/2025 reflects a Credit Report of $178. 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 $49 is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower.<br> Tolerance cure of $49 to be provided within 60 days of discovery. - Due Diligence Vendor-09/XX/2025 <br>Open- - Due Diligence Vendor-09/XX/2025 <br>Open- - Due Diligence Vendor-09/XX/2025 <br>Open- - Due Diligence Vendor-09/XX/2025 |  | Cured-Lender provided evidence of principal reduction in the amount of $49.00. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/17/2025<br>| XX |  |  | OR | Second Home | Purchase | NA | XX | N/A | N/A |
| 422 | XX | XX |  |  | Closed | 2025-XX-03 13:41 | 2025-XX-17 16:03 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Cured-Lender provided evidence of principal reduction in the amount of $49.00. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached cure package. - Investor-10/XX/2025 <br>Counter-Received PCCD reducing the Seller Credit to $2,322 and moving the Credit Report fee to "Paid by Seller". The Breakdown of Credit to Borrower's Closing Costs reflects $0 seller paid closing costs and the XX in file reflects the total $178 as borrower-paid. There's nothing in file dated prior to consummation as evidence the borrower did not pay this fee. Finding Remains. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached PCCD. - Investor-09/XX/2025 <br>Open- - Due Diligence Vendor-09/XX/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 08/XX/2025 without a valid COC. No Cure. - Due Diligence Vendor-09/XX/2025 <br>Open- - Due Diligence Vendor-09/XX/2025 <br>Open- - Due Diligence Vendor-09/XX/2025 <br>Open- - Due Diligence Vendor-09/XX/2025 |  | Cured-Lender provided evidence of principal reduction in the amount of $49.00. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/17/2025<br>| XX |  |  | OR | Second Home | Purchase | NA | XX | N/A | N/A |
| 422 | XX | XX |  |  | Closed | 2025-XX-03 13:41 | 2025-XX-17 14:19 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Received evidence of receipt for initial CD. Condition cleared. - Due Diligence Vendor-09/XX/2025 <br>Resolved- - Due Diligence Vendor-09/XX/2025 <br>Resolved- - Due Diligence Vendor-09/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached audit trail. - Buyer-09/XX/2025 <br>Open-The Initial Closing Disclosure was provided on (2025-XX-08) 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 (2025-XX-12). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (2025-XX-12), 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 (20250805), for consummation to occur on (2025-XX-12). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of 8/XX/2025 with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt applied and borrower not in receipt of Initial CD 3 business days prior to consummation of 8/XX/2025. No Cure.<br> - Due Diligence Vendor-09/XX/2025 <br>Open- - Due Diligence Vendor-09/XX/2025 <br>Open- - Due Diligence Vendor-09/XX/2025 <br>Open- - Due Diligence Vendor-09/XX/2025 |  | Resolved-Received evidence of receipt for initial CD. Condition cleared. - Due Diligence Vendor-09/17/2025 <br>Resolved-XX- Due Diligence Vendor-09/17/2025<br>| XX |  |  | OR | Second Home | Purchase | NA | XX | N/A | N/A |
| 526 | XX | XX |  |  | Closed | 2025-XX-13 12:46 | 2026-XX-17 06:20 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Lender states gift wired was in excess of $15,362.36 and is eligible for reserves. Lender's guidelines state gift funds may be used for closing costs and reserves. Finding resolved. - Due Diligence Vendor-10/XX/2025 <br>Resolved-Total Qualified Assets for Reserves Post-Close of $35213.4 is equal to or greater than Total Required Reserve Amount of $25001.88 - Due Diligence Vendor-10/XX/2025 <br>Open-Total Qualified Assets for Reserves Post-Close of $19851.04 is less than Total Required Reserve Amount of $25001.88 - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Total verified assets are $171,486. Gift wired to title agent was in excess of $15,362.36 which is reflecting as a credit on final CD back to borrower which is allowable for reserves. - Buyer-10/XX/2025 <br>Open-Total Qualified Assets for Reserves Post-Close of $19851.04 is less than Total Required Reserve Amount of $25001.88 - Due Diligence Vendor-10/XX/2025 |  | Resolved-Lender states gift wired was in excess of $15,362.36 and is eligible for reserves. Lender's guidelines state gift funds may be used for closing costs and reserves. Finding resolved. - Due Diligence Vendor-10/23/2025 <br>Resolved-Total Qualified Assets for Reserves Post-Close of $35213.4 is equal to or greater than Total Required Reserve Amount of $25001.88 - Due Diligence Vendor-10/23/2025<br>|  |  |  | TN | Investment | Purchase | NA | XX | N/A | N/A |
| 526 | XX | XX |  |  | Closed | 2025-XX-13 13:00 | 2025-XX-23 10:37 | Resolved | 1 - Information | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Lender states gift wired was in excess of $15,362.36 and is eligible for reserves. Lender's guidelines state gift funds may be used for closing costs and reserves. Finding resolved. - Due Diligence Vendor-10/XX/2025 <br>Resolved-Audited Reserves of 8.45 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Total verified assets are $171,486. Gift wired to title agent was in excess of $15,362.36 which is reflecting as a credit on final CD back to borrower which is allowable for reserves. - Buyer-10/XX/2025 <br>Open-Audited Reserves of 4.76 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-10/XX/2025 |  | Resolved-Lender states gift wired was in excess of $15,362.36 and is eligible for reserves. Lender's guidelines state gift funds may be used for closing costs and reserves. Finding resolved. - Due Diligence Vendor-10/23/2025 <br>Resolved-Audited Reserves of 8.45 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-10/23/2025<br>|  |  |  | TN | Investment | Purchase | NA | XX | N/A | N/A |
| 791 | XX | XX |  |  | Closed | 2025-XX-02 14:13 | 2025-XX-27 12:39 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Cured-Lender provided Letter of Explanation, Proof of Principal Reduction, Corrected PCCD, and Proof of Delivery to Borrower. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. pccd and payment history - Investor-10/XX/2025 <br>Counter-Audit has already considered the Admin/Origination Fee the same service. A refund of $50.00 is required for this increase. The MERS Fee was not disclosed on the initial LE. Without a valid COC, a refund of $23.70 is required. The Tax Service Fee increased from $75.00 on the initial LE to $85.00 on the final CD. A refund of $10.00 is required for this increase. Transfer Taxes were not disclosed on the initial LE. Without a valid COC, a refund of $369.15 is required. A total tolerance cure of $452.85 is required or please provide a valid COC as applicable. - Due Diligence Vendor-10/XX/2025 <br>Counter-Added MERS and Transfer Taxes and Admin Fee increased by $50.00 on LE dated 08/XX/2025. Also, the Transfer Taxes and Tax Service Fee increased on the final CD. - Due Diligence Vendor-10/XX/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – State, Loan Origination Fee, Tax Related Service Fee, MERS® Registration 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-10/XX/2025 <br>Open- - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Can you clarify this suspense? The LE for these fees compared to the CD does not reflect an increase that required a COC. - Buyer-10/XX/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – State, Tax Related Service Fee, Administration Fee, MERS® Registration 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)). If a valid COC cannot be provided, provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. Tolerance cure of $1652.85 to be provided within 60 days of discovery. - Due Diligence Vendor-10/XX/2025 <br>Open- - Due Diligence Vendor-10/XX/2025 |  | Cured-Lender provided Letter of Explanation, Proof of Principal Reduction, Corrected PCCD, and Proof of Delivery to Borrower. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/27/2025<br>| XX |  |  | TN | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| 791 | XX | XX |  |  | Closed | 2025-XX-02 14:13 | 2025-XX-27 12:39 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Cured-Lender provided Letter of Explanation, Proof of Principal Reduction, Corrected PCCD, and Proof of Delivery to Borrower. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. pccd and payment history - Seller-10/XX/2025 <br>Counter-Audit has already considered the Admin/Origination Fee the same service. A refund of $50.00 is required for this increase. The MERS Fee was not disclosed on the initial LE. Without a valid COC, a refund of $23.70 is required. The Tax Service Fee increased from $75.00 on the initial LE to $85.00 on the final CD. A refund of $10.00 is required for this increase. Transfer Taxes were not disclosed on the initial LE. Without a valid COC, a refund of $369.15 is required. A total tolerance cure of $452.85 is required or please provide a valid COC as applicable. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-The origination fee disclosed by the Broker and the administration fee disclosed by the Lender represent the same charge for the same service. Initially, the Broker disclosed an origination fee of $1,200. Subsequently, XX disclosed this fee as an administration fee in the amount of $1,250 on the Loan Estimate (LE). Although the terminology and amount changed, the fee itself pertains to the same service and therefore does not require a full cure. However, in the absence of a valid justification for the $50 increase on the revised LE, a cure in the amount of $50 will be provided as a good faith resolution. - Buyer-10/XX/2025 <br>Counter-Added MERS and Transfer Taxes and Admin Fee increased by $50.00 on LE dated 08/XX/2025. Also, the Transfer Taxes and Tax Service Fee increased on the final CD. - Due Diligence Vendor-10/XX/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: Doc Tax Stamps/Transfer Taxes – State, Loan Origination Fee, Tax Related Service Fee, MERS® Registration 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)). - Due Diligence Vendor-10/XX/2025 <br>Open- - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Can you clarify this suspense? The LE for these fees compared to the CD does not reflect an increase that required a COC. - Buyer-10/XX/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: Doc Tax Stamps/Transfer Taxes – State, Tax Related Service Fee, Administration Fee, MERS® Registration 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)). If a valid COC cannot be provided, provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. Tolerance cure of $1652.85 to be provided within 60 days of discovery.<br> - Due Diligence Vendor-10/XX/2025 <br>Open- - Due Diligence Vendor-10/XX/2025 | Ready for Review-Document Uploaded. pccd and payment history - Seller-10/27/2025<br>| Cured-Lender provided Letter of Explanation, Proof of Principal Reduction, Corrected PCCD, and Proof of Delivery to Borrower. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-10/27/2025<br>| XX |  |  | TN | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| 791 | XX | XX |  |  | Closed | 2025-XX-23 15:28 | 2025-XX-02 14:01 | 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/XX/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-10/02/2025<br>|  |  |  | TN | Primary Residence | Refinance | Cash Out - Other | XX | Investor Post-Close | No |
| 4 | XX | XX |  |  | Closed | 2025-XX-04 09:33 | 2025-XX-04 09:33 | 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/XX/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-11/04/2025<br>|  |  |  | NJ | Investment | Purchase | NA | XX | Investor Post-Close | No |
| 6 | XX | XX |  |  | Closed | 2025-XX-16 08:08 | 2026-XX-17 17:53 | Resolved | 1 - Information | Credit | Missing Doc | Missing Guaranty Agreement - Borrower 1 | Resolved-Guaranty Agreement for Borrower 1 provided. - Due Diligence Vendor-01/XX/2026 <br>Open-Missing Guaranty Agreement for Borrower 1. - Due Diligence Vendor-01/XX/2026 <br>Resolved-Received Note signed by individual borrowers. Final contains a signed Note - individuals signed as members of the LLC. Mortgage list borrower the LLC and is signed by members of the LLC. Borrower signed for Business Entity and as Individuals. Guaranty agreement is not needed. Finding Resolved. - Due Diligence Vendor-12/XX/2025 <br>Open-Missing Guaranty Agreement for Borrower 1. - Due Diligence Vendor-12/XX/2025 |  | Resolved-Guaranty Agreement for Borrower 1 provided. - Due Diligence Vendor-01/17/2026 <br>Resolved-Received Note signed by individual borrowers. Final contains a signed Note - individuals signed as members of the LLC. Mortgage list borrower the LLC and is signed by members of the LLC. Borrower signed for Business Entity and as Individuals. Guaranty agreement is not needed. Finding Resolved. - Due Diligence Vendor-12/29/2025<br>|  |  |  | PA | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| 6 | XX | XX |  |  | Closed | 2025-XX-16 08:08 | 2026-XX-17 17:53 | Resolved | 1 - Information | Credit | Missing Doc | Missing Guaranty Agreement - Borrower 2 | Resolved-Guaranty Agreement for Borrower 2 provided. - Due Diligence Vendor-01/XX/2026 <br>Open-Missing Guaranty Agreement for Borrower 2. - Due Diligence Vendor-01/XX/2026 <br>Resolved-Received Note signed by individual borrowers. Final contains a signed Note - individuals signed as members of the LLC. Mortgage list borrower the LLC and is signed by members of the LLC. Borrower signed for Business Entity and as Individuals. Guaranty agreement is not needed. Finding Resolved. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-12/XX/2025 <br>Open-Missing Guaranty Agreement for Borrower 2. - Due Diligence Vendor-12/XX/2025 |  | Resolved-Guaranty Agreement for Borrower 2 provided. - Due Diligence Vendor-01/17/2026 <br>Resolved-Received Note signed by individual borrowers. Final contains a signed Note - individuals signed as members of the LLC. Mortgage list borrower the LLC and is signed by members of the LLC. Borrower signed for Business Entity and as Individuals. Guaranty agreement is not needed. Finding Resolved. - Due Diligence Vendor-12/29/2025<br>| XX |  |  | PA | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| 33 | XX | XX |  |  | Closed | 2025-XX-02 08:21 | 2025-XX-02 08:21 | 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/XX/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-11/02/2025<br>|  |  |  | NC | Primary Residence | Refinance | Cash Out - Other | XX | Investor Post-Close | No |
| 36 | XX | XX |  |  | Closed | 2025-XX-16 12:25 | 2025-XX-07 07:30 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of 03-XX-2025 is prior to or equal to the Note Date of 08-XX-2025 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-11/XX/2025 <br>Open-Hazard insurance effective date of 8/XX/2025 is after both the loan transaction closing date and disbursement date. - Due Diligence Vendor-10/XX/2025 |  | Resolved-Hazard Insurance Effective Date of 03-XX-2025 is prior to or equal to the Note Date of 08-XX-2025 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-11/07/2025<br>| XX |  |  | AK | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 36 | XX | XX |  |  | Closed | 2025-XX-16 12:54 | 2025-XX-29 11:58 | 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/XX/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-10/16/2025<br>|  |  |  | AK | Primary Residence | Purchase | NA | XX | Investor Post-Close | No |
| 36 | XX | XX |  |  | Seller | 2026-XX-16 17:12 | 2026-XX-20 13:57 | Resolved | 1 - Information | Property | Appraisal | The appraiser was not licensed (Primary Value) | Resolved-Document Uploaded. Received appraiser license effective 05/XX/2025 prior to the appraisal date. Finding Resolved - Due Diligence Vendor-01/XX/2026 <br>Open-Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date - Due Diligence Vendor-01/XX/2026 |  | Resolved-Document Uploaded. Received appraiser license effective 05/30/2025 prior to the appraisal date. Finding Resolved - Due Diligence Vendor-01/20/2026<br>| XX |  |  | AK | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 44 | XX | XX |  |  | Closed | 2025-XX-07 08:00 | 2025-XX-07 08:08 | 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/XX/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-11/07/2025<br>|  |  |  | PA | Primary Residence | Purchase | NA | XX | Investor Post-Close | No |
| 51 | XX | XX |  |  | Closed | 2025-XX-30 13:27 | 2025-XX-25 10:56 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 2 | Resolved-Borrower Identification - Borrower 2 provided; condition resolved. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-11/XX/2025 <br>Open-Missing Borrower Identification - Borrower 2. - Due Diligence Vendor-10/XX/2025 |  | Resolved-Borrower Identification - Borrower 2 provided; condition resolved. - Due Diligence Vendor-11/25/2025<br>| XX |  |  | MA | Investment | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A |
| 51 | XX | XX |  |  | Closed | 2025-XX-30 13:27 | 2025-XX-25 10:55 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Borrower Identification - Borrower 1 provided; condition resolved. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-11/XX/2025 <br>Open-Missing Borrower Identification - Borrower 1. - Due Diligence Vendor-10/XX/2025 |  | Resolved-Borrower Identification - Borrower 1 provided; condition resolved. - Due Diligence Vendor-11/25/2025<br>| XX |  |  | MA | Investment | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A |
| 51 | XX | XX |  |  | Closed | 2025-XX-06 10:48 | 2025-XX-06 10:48 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-11/XX/2025 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-11/06/2025<br>|  |  |  | MA | Investment | Refinance | No Cash Out - Borrower Initiated | XX | Investor Post-Close | No |
| 57 | XX | XX |  |  | Closed | 2025-XX-29 14:51 | 2025-XX-29 14:51 | 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/XX/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-10/29/2025<br>|  |  |  | NJ | Second Home | Purchase | NA | XX | Investor Post-Close | No |
| 71 | XX | XX |  |  | Closed | 2025-XX-03 08:39 | 2025-XX-03 08:39 | 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/XX/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-11/03/2025<br>|  |  |  | TN | Investment | Refinance | Cash Out - Other | XX | Investor Post-Close | No |
| 80 | XX | XX |  |  | Closed | 2025-XX-31 10:41 | 2025-XX-31 10:41 | 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/XX/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-10/31/2025<br>|  |  |  | TX | Primary Residence | Purchase | NA | XX | Investor Post-Close | No |
| 100 | XX | XX |  |  | Closed | 2025-XX-16 13:56 | 2025-XX-30 15:18 | 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/XX/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-10/16/2025<br>|  |  |  | GA | Primary Residence | Purchase | NA | XX | Investor Post-Close | No |
| 104 | XX | XX |  |  | Closed | 2025-XX-31 14:38 | 2025-XX-06 14:55 | 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/XX/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-10/31/2025<br>|  |  |  | FL | Investment | Purchase | NA | XX | Investor Post-Close | No |
| 121 | XX | XX |  |  | Closed | 2025-XX-03 08:10 | 2025-XX-18 08:34 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-11/XX/2025 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Missing 12 month payment histories for the subject and REO 3. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-11/18/2025<br>| XX |  |  | MI | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| 128 | XX | XX |  |  | Closed | 2025-XX-31 08:15 | 2025-XX-31 08:15 | 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/XX/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-10/31/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | XX | Investor Post-Close | No |
| 134 | XX | XX |  |  | Seller | 2025-XX-28 14:05 | 2025-XX-26 15:30 | Counter | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Counter-Received the email dated 08/XX/2025 to borrower for Appraisal receipt and the Notice of Right to Receive Copy of Written Appraisal/Valuation signed 08/XX/2025 which states the borrower wants a copy of the appraisal within 3 business day. Please provide evidence the borrower received the updated appraisal from 09/XX/2025. Finding Remains. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-12/XX/2025 <br>Counter-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. Lender provided an appraisal waiver signed on 08/XX/2025. This is not sufficient evidence that the most recent appraisal was provided to the borrower. Condition maintained. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-12/XX/2025 <br>Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of 09/XX/2025 is after the Primary Appraisal Delivery Date of 08/XX/2025. - Due Diligence Vendor-11/XX/2025 <br>Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of 09/XX/2025 is after the Primary Appraisal Delivery Date of 08/XX/2025 - Due Diligence Vendor-11/XX/2025 <br>Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of 09/XX/2025 is after the Primary Appraisal Delivery Date of 08/XX/2025. - Due Diligence Vendor-10/XX/2025 |  |  | XX |  |  | UT | Second Home | Purchase | NA | XX | N/A | N/A |
| 136 | XX | XX |  |  | Closed | 2025-XX-16 06:09 | 2025-XX-04 12:19 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Lender provided lease agreement for REO #6. Finding Resolved. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-11/XX/2025 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Missing housing payment history for REO #6. - Due Diligence Vendor-10/XX/2025 |  | Resolved-Lender provided lease agreement for REO #6. Finding Resolved. - Due Diligence Vendor-11/04/2025<br>| XX |  |  | PA | Investment | Purchase | NA | XX | N/A | N/A |
| 158 | XX | XX |  |  | Closed | 2025-XX-22 09:33 | 2025-XX-14 11:49 | Resolved | 1 - Information | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-11/XX/2025 <br>Open-OFAC Check Not Completed and/or Cleared - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. - Investor-11/XX/2025 <br>Open-OFAC Check Not Completed and/or Cleared - Due Diligence Vendor-10/XX/2025 |  | Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-11/14/2025<br>| XX |  |  | OH | Investment | Purchase | NA | XX | N/A | N/A |
| 158 | XX | XX |  |  | Closed | 2025-XX-22 09:33 | 2025-XX-14 11:49 | Resolved | 1 - Information | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-11/XX/2025 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-10/XX/2025 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-11/14/2025<br>| XX |  |  | OH | Investment | Purchase | NA | XX | N/A | N/A |
| 158 | XX | XX |  |  | Closed | 2025-XX-22 14:30 | 2025-XX-14 11:44 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Lender provided Tax Cert for REO 3a. Finding Resolved. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-11/XX/2025 <br>Open-Evidence of property tax amount is missing for investment property listed on final loan application in section 3a.<br> - Due Diligence Vendor-10/XX/2025 |  | Resolved-Lender provided Tax Cert for REO 3a. Finding Resolved. - Due Diligence Vendor-11/14/2025<br>| XX |  |  | OH | Investment | Purchase | NA | XX | N/A | N/A |
| 193 | XX | XX |  |  | Closed | 2025-XX-11 08:35 | 2025-XX-20 18:44 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Lender provided New York pamphlet "What Mortgage Applicants Need to Know". Condition cleared. - Due Diligence Vendor-11/XX/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached initial disclosures and acknowledgement of receipt, What Mortgage Applicants Need to Know Pamphlet is included in initial disclosures. - Buyer-11/XX/2025 <br>Open-Missing the New York pamphlet "What Mortgage Applicants Need to Know" which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/XX/2025. Missing "What Mortgage Applicants Need to Know" Pamphlet - Due Diligence Vendor-11/XX/2025 |  | Resolved-Lender provided New York pamphlet "What Mortgage Applicants Need to Know". Condition cleared. - Due Diligence Vendor-11/21/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-11/21/2025<br>| XX |  |  | NY | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 193 | XX | XX |  |  | Closed | 2025-XX-14 09:52 | 2025-XX-14 09:52 | 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/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/14/2025<br>|  |  |  | NY | Primary Residence | Purchase | NA | XX | Investor Post-Close | No |
| 200 | XX | XX |  |  | Closed | 2025-XX-09 09:27 | 2026-XX-19 11:12 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Total Qualified Assets for Reserves Post-Close of $117186.42 is equal to or greater than Total Required Reserve Amount of $107564.42 - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-UW response: For Interest Only products, reserves are calculated using the IO payment plus taxes, insurance, HOA (If applicable). (ITIA). - Buyer-11/XX/2025 <br>Open-Total Qualified Assets for Reserves Post-Close of $117186.42 is less than Total Required Reserve Amount of $129938 - Due Diligence Vendor-11/XX/2025 |  | Resolved-Total Qualified Assets for Reserves Post-Close of $117186.42 is equal to or greater than Total Required Reserve Amount of $107564.42 - Due Diligence Vendor-11/20/2025<br>|  |  |  | NY | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 200 | XX | XX |  |  | Closed | 2025-XX-09 09:27 | 2025-XX-20 12:42 | Resolved | 1 - Information | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Resolved-Audited Assets of $117186.42 are greater than Guideline Required Assets of $107564.42. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-UW response: For Interest Only products, reserves are calculated using the IO payment plus taxes, insurance, HOA (If applicable). (ITIA). - Buyer-11/XX/2025 <br>Open-Audited Assets of $117186.42 are less than Guideline Required Assets of $129938. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Audited Assets of $117186.42 are greater than Guideline Required Assets of $107564.42. - Due Diligence Vendor-11/20/2025<br>|  |  |  | NY | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 200 | XX | XX |  |  | Closed | 2025-XX-30 14:48 | 2025-XX-11 16:59 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Lender provided evidence New York pamphlet "What Mortgage Applicants Need to Know" sent timely. Condition cleared. - Due Diligence Vendor-11/XX/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached initial disclosures and acknowledgement of receipt, What Mortgage Applicants Need to Know Pamphlet is included in initial disclosures. - Buyer-11/XX/2025 <br>Open-Missing the New York pamphlet "What Mortgage Applicants Need to Know" which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/XX/2025. - Due Diligence Vendor-10/XX/2025 |  | Resolved-Lender provided evidence New York pamphlet "What Mortgage Applicants Need to Know" sent timely. Condition cleared. - Due Diligence Vendor-11/11/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-11/11/2025<br>| XX |  |  | NY | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 226 | XX | XX |  |  | Closed | 2025-XX-03 18:10 | 2026-XX-18 07:08 | Resolved | 1 - Information | Credit | Missing Doc | Missing Mortgage Riders - Condo Rider | Resolved-Required documentation received. - Due Diligence Vendor-12/XX/2025 <br>Resolved-The Condo Rider is Present - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-Document Uploaded. LOI - Buyer-11/XX/2025 <br>Open-Condo Rider is Missing Subject underwritten and closed as PUD, with PUD Rider. Tax cert and title verify subject is a condo. Subject Deed of Trust includes a PUD Rider but requires a Condo Rider. Provide proof of corrected DOT w/ Condo Rider and proof that is has been sent for recording. Additional conditions may apply - Due Diligence Vendor-11/XX/2025 |  | Resolved-Required documentation received. - Due Diligence Vendor-12/02/2025 <br>Resolved-The Condo Rider is Present - Due Diligence Vendor-12/02/2025<br>| XX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A |
| 226 | XX | XX |  |  | Closed | 2025-XX-04 13:12 | 2025-XX-04 13:46 | Waived | 2 - Non-Material | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Waived-Total Qualified Assets for Reserves Post-Close of $48828.75 is less than Total Required Reserve Amount of $61925.34 Lender provided approved exception to use 100% of business funds for reserves dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/XX/2025 |  | Waived-Total Qualified Assets for Reserves Post-Close of $48828.75 is less than Total Required Reserve Amount of $61925.34 Lender provided approved exception to use 100% of business funds for reserves dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/04/2025<br>|  |  | FICO 758, Max DTI 42%, LTV 80%, Minimum Reserves 63,000 | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | Originator Pre-Close | Yes |
| 226 | XX | XX |  |  | Closed | 2025-XX-04 13:13 | 2025-XX-04 13:46 | Waived | 2 - Non-Material | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of 4.73 month(s) are less than Guideline Required Reserves of 6 month(s) Lender provided approved exception to use 100% of business funds for reserves dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/XX/2025 |  | Waived-Audited Reserves of 4.73 month(s) are less than Guideline Required Reserves of 6 month(s) Lender provided approved exception to use 100% of business funds for reserves dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/04/2025<br>|  |  | FICO 758, Max DTI 42%, LTV 80%, Minimum Reserves 63,000 | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | Originator Pre-Close | Yes |
| 227 | XX | XX |  |  | Closed | 2025-XX-29 07:14 | 2025-XX-29 07:14 | 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/XX/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-10/29/2025<br>|  |  |  | FL | Primary Residence | Purchase | NA | XX | Investor Post-Close | No |
| 231 | XX | XX |  |  | Closed | 2025-XX-30 15:22 | 2025-XX-10 10:54 | 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/XX/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-10/30/2025<br>|  |  |  | MI | Second Home | Refinance | No Cash Out - Borrower Initiated | XX | Investor Post-Close | No |
| 235 | XX | XX |  |  | Closed | 2025-XX-06 10:36 | 2025-XX-13 16:05 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Lender provided New York pamphlet "What Mortgage Applicants Need to Know". Condition cleared. - Due Diligence Vendor-11/XX/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached initial disclosures and acknowledgement of receipt, What Mortgage Applicants Need to Know Pamphlet is included in initial disclosures. - Buyer-11/XX/2025 <br>Open-Missing the New York pamphlet "What Mortgage Applicants Need to Know" which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/XX/2025. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Lender provided New York pamphlet "What Mortgage Applicants Need to Know". Condition cleared. - Due Diligence Vendor-11/13/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-11/13/2025<br>| XX |  |  | NY | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| 238 | XX | XX |  |  | Closed | 2025-XX-10 15:18 | 2026-XX-17 18:52 | 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-11/XX/2025 <br>Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. loan is a rate term which meets all requirements to waive reserves; this is actually seen on the asset worksheet - Buyer-11/XX/2025 <br>Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Short $10,524.09 verified reserves. - Due Diligence Vendor-11/XX/2025 |  | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-11/20/2025<br>| XX |  |  | MD | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A |
| 238 | XX | XX |  |  | Closed | 2025-XX-10 14:37 | 2025-XX-20 11:33 | Resolved | 1 - Information | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Resolved-Audited Assets of $23757.06 are greater than Guideline Required Assets of $0. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. loan is a rate term which meets all requirements to waive reserves; this is actually seen on the asset worksheet - Seller-11/XX/2025 <br>Open-Audited Assets of $23757.06 are less than Guideline Required Assets of $34281.2. Short $10,524.09 verified reserves. - Due Diligence Vendor-11/XX/2025 | Ready for Review-Document Uploaded. loan is a rate term which meets all requirements to waive reserves; this is actually seen on the asset worksheet - Seller-11/17/2025<br>| Resolved-Audited Assets of $23757.06 are greater than Guideline Required Assets of $0. - Due Diligence Vendor-11/20/2025<br>| XX |  |  | MD | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A |
| 238 | XX | XX |  |  | Closed | 2025-XX-10 14:34 | 2025-XX-20 11:32 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Total Qualified Assets for Reserves Post-Close of $23757.06 is equal to or greater than Total Required Reserve Amount of $0 - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. loan is a rate term which meets all requirements to waive reserves; this is actually seen on the asset worksheet - Buyer-11/XX/2025 <br>Open-Total Qualified Assets for Reserves Post-Close of $23757.06 is less than Total Required Reserve Amount of $34281.15 Short $10,524.09 verified reserves. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Total Qualified Assets for Reserves Post-Close of $23757.06 is equal to or greater than Total Required Reserve Amount of $0 - Due Diligence Vendor-11/20/2025<br>| XX |  |  | MD | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A |
| 243 | XX | XX |  |  | Closed | 2025-XX-03 11:21 | 2025-XX-10 09:20 | 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/XX/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-11/03/2025<br>|  |  |  | TX | Investment | Purchase | NA | XX | Investor Post-Close | No |
| 250 | XX | XX |  |  | Closed | 2025-XX-04 08:45 | 2025-XX-04 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. - Due Diligence Vendor-11/XX/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-11/04/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | XX | Investor Post-Close | No |
| 255 | XX | XX |  |  | Closed | 2025-XX-18 11:22 | 2025-XX-18 11:22 | 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/XX/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-11/18/2025<br>|  |  |  | MI | Primary Residence | Purchase | NA | XX | Investor Post-Close | No |
| 266 | XX | XX |  |  | Closed | 2025-XX-04 10:00 | 2025-XX-20 12:48 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity of Evidence of Good Standing | Resolved-Evidence of Good Standing received, finding resolved. - Due Diligence Vendor-11/XX/2025 <br>Resolved-Evidence of Good Standing provided - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. Good Standing - Buyer-11/XX/2025 <br>Open-Missing Evidence of Good Standing. Missing Evidence of Good Standing for business entity. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Evidence of Good Standing received, finding resolved. - Due Diligence Vendor-11/20/2025 <br>Resolved-Evidence of Good Standing provided - Due Diligence Vendor-11/20/2025<br>| XX |  |  | FL | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| 272 | XX | XX |  |  | Closed | 2025-XX-07 11:23 | 2025-XX-18 16:35 | Waived | 2 - Non-Material | Credit | Eligibility | Ineligible Property Type | Waived-Lender advised Single Loan Exception (SLE) is not required to have compensating factors. Statement is true. Finding Waived-EV2. - Due Diligence Vendor-11/XX/2025 <br>Counter-Single Loan Exception or Disposition Notice from the lender does indeed need to reflect compensating factors. Please provide either. Finding remains. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Per our UW manager Our SLE form's do not contain the internal comp factors we used on the exception, they never have. - Buyer-11/XX/2025 <br>Open-Property type is ineligible due to Lender's guidelines require at least one separate bedroom for a condotel; however, the appraisal and photos indicate there is no separate bedroom. The lender provided an approved exception; however, no comp factors were provided.. - Due Diligence Vendor-11/XX/2025 |  | Waived-Lender advised Single Loan Exception (SLE) is not required to have compensating factors. Statement is true. Finding Waived-EV2. - Due Diligence Vendor-11/18/2025<br>|  |  | 803 credit score excceds guideline minimum 720<br> 21.26 mths reserves exceeds guidelines minimum 6 mths<br> 0x30 mtg history reporting on credit for 22 mths | UT | Investment | Purchase | NA | XX | Originator Pre-Close | Yes |
| 272 | XX | XX |  |  | Closed | 2025-XX-31 15:27 | 2025-XX-14 08:17 | Resolved | 1 - Information | Credit | Insurance | Master Policy Expiration Date is Prior To the Transaction Date | Resolved-Master Policy Expiration Date of 09-XX-2026 is Equal to or After the Transaction Date of 10-XX-2025 Or Master Policy Expiration Date Is Not Provided - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. master ins - Buyer-11/XX/2025 <br>Open-Master Policy Expiration Date of 09-XX-2025 is Prior To the Transaction Date of 10-XX-2025 - Due Diligence Vendor-10/XX/2025 |  | Resolved-Master Policy Expiration Date of 09-XX-2026 is Equal to or After the Transaction Date of 10-XX-2025 Or Master Policy Expiration Date Is Not Provided - Due Diligence Vendor-11/14/2025<br>| XX |  | 803 credit score excceds guideline minimum 720<br> 21.26 mths reserves exceeds guidelines minimum 6 mths<br> 0x30 mtg history reporting on credit for 22 mths | UT | Investment | Purchase | NA | XX | N/A | N/A |
| 274 | XX | XX |  |  | Closed | 2025-XX-11 12:11 | 2025-XX-11 12:11 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-11/XX/2025 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-11/11/2025<br>|  |  | 803 credit score excceds guideline minimum 720<br> 21.26 mths reserves exceeds guidelines minimum 6 mths<br> 0x30 mtg history reporting on credit for 22 mths | MD | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | Investor Post-Close | No |
| 285 | XX | XX |  |  | Closed | 2025-XX-16 10:25 | 2025-XX-22 17:24 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Lender provided evidence of timely disclosure of the New York pamphlet "What Mortgage Applicants Need to Know". Condition cleared. - Due Diligence Vendor-10/XX/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached initial disclosures and acknowledgement of receipt, What Mortgage Applicants Need to Know Pamphlet is included in initial disclosures. - Buyer-10/XX/2025 <br>Open-Missing the New York pamphlet "What Mortgage Applicants Need to Know" which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/XX/2025. - Due Diligence Vendor-10/XX/2025 |  | Resolved-Lender provided evidence of timely disclosure of the New York pamphlet "What Mortgage Applicants Need to Know". Condition cleared. - Due Diligence Vendor-10/22/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-10/22/2025<br>| XX |  | 803 credit score excceds guideline minimum 720<br> 21.26 mths reserves exceeds guidelines minimum 6 mths<br> 0x30 mtg history reporting on credit for 22 mths | NY | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 285 | XX | XX |  |  | Closed | 2025-XX-16 12:19 | 2025-XX-22 17:24 | Resolved | 1 - Information | Credit | Missing Doc | Flood Certificate Missing | Resolved-Lender provided Flood Certificate. Condition cleared. - Due Diligence Vendor-10/XX/2025 <br>Resolved-Flood Certificate is fully present - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached flood cert. - Buyer-10/XX/2025 <br>Open-Missing Flood Certificate - Due Diligence Vendor-10/XX/2025 |  | Resolved-Lender provided Flood Certificate. Condition cleared. - Due Diligence Vendor-10/22/2025 <br>Resolved-Flood Certificate is fully present - Due Diligence Vendor-10/22/2025<br>| XX |  | 803 credit score excceds guideline minimum 720<br> 21.26 mths reserves exceeds guidelines minimum 6 mths<br> 0x30 mtg history reporting on credit for 22 mths | NY | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 294 | XX | XX |  |  | Closed | 2025-XX-28 15:11 | 2025-XX-28 15:11 | 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/XX/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-10/28/2025<br>|  |  | 803 credit score excceds guideline minimum 720<br> 21.26 mths reserves exceeds guidelines minimum 6 mths<br> 0x30 mtg history reporting on credit for 22 mths | GA | Primary Residence | Purchase | NA | XX | Investor Post-Close | No |
| 304 | XX | XX |  |  | Closed | 2025-XX-11 12:58 | 2025-XX-11 12:58 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-11/XX/2025 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-11/11/2025<br>|  |  | 803 credit score excceds guideline minimum 720<br> 21.26 mths reserves exceeds guidelines minimum 6 mths<br> 0x30 mtg history reporting on credit for 22 mths | TN | Primary Residence | Refinance | Cash Out - Other | XX | Investor Post-Close | No |
| 308 | XX | XX |  |  | Closed | 2025-XX-07 07:17 | 2025-XX-11 12:24 | 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/XX/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-11/07/2025<br>|  |  |  | WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | Investor Post-Close | No |
| 309 | XX | XX |  |  | Closed | 2025-XX-03 06:55 | 2025-XX-12 16:40 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Lender provided New York pamphlet "What Mortgage Applicants Need to Know". Condition cleared. - Due Diligence Vendor-11/XX/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached initial disclosures and acknowledgement of receipt, What Mortgage Applicants Need to Know Pamphlet is included in initial disclosures. - Buyer-11/XX/2025 <br>Open-Missing the New York pamphlet "What Mortgage Applicants Need to Know" which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/XX/2025. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Lender provided New York pamphlet "What Mortgage Applicants Need to Know". Condition cleared. - Due Diligence Vendor-11/12/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-11/12/2025<br>| XX |  |  | NY | Second Home | Purchase | NA | XX | N/A | N/A |
| 314 | XX | XX |  |  | Closed | 2025-XX-06 10:12 | 2025-XX-12 12:47 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Lender provided New York pamphlet "What Mortgage Applicants Need to Know". Condition cleared. - Due Diligence Vendor-11/XX/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. initial docs - Buyer-11/XX/2025 <br>Open-Missing the New York pamphlet "What Mortgage Applicants Need to Know" which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/XX/2025. . - Due Diligence Vendor-11/XX/2025 |  | Resolved-Lender provided New York pamphlet "What Mortgage Applicants Need to Know". Condition cleared. - Due Diligence Vendor-11/12/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-11/12/2025<br>| XX |  |  | NY | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 323 | XX | XX |  |  | Closed | 2025-XX-06 07:31 | 2025-XX-06 07:31 | 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/XX/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-11/06/2025<br>|  |  |  | TX | Primary Residence | Refinance | Cash Out - Other | XX | Investor Post-Close | No |
| 335 | XX | XX |  |  | Closed | 2025-XX-17 09:18 | 2025-XX-11 13:37 | Resolved | 1 - Information | Credit | Closing | Evidence of Good Standing age exceeds guidelines | Resolved-TPR was able to confirm the business entity is in good standing through MD.Gov. Finding Resolved. - Due Diligence Vendor-11/XX/2025 <br>Resolved-Evidence of Good Standing in file is dated 05-XX-2025 and note is dated 10-XX-2025. Document age of days is within guidelines. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-please advise if you have an update on this request. - Investor-11/XX/2025 <br>Counter-Sent to Lender's VP of Product Development for review. Finding remains at this time. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. LOE - Investor-11/XX/2025 <br>Counter-For a DSCR loan in Maryland, the Certificate of Good Standing (also called a Certificate of Status) confirms the business entity is legally compliant and authorized to transact business. This document is required when the loan is made to an LLC, corporation, or other business entity rather than an individual. Since this loan did not close as in individual, the Cert of Good Standing is required to be within 90 days of the Note date as required by 1A.8 of the guidelines. Condition Remains. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Per the UW manager There is no age of documentation limitation on the certificate of good standing. The certificate is reasonably current. - Investor-10/XX/2025 <br>Counter-Lender states evidence of good standing is not a credit document that is required to be dated within 90 days of closing. Disagree - the document in file was 156 days old at the time of closing which is not sufficient evidence the entity is still in good standing. Condition remains. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Disagree - the evidence of good standing is not a credit document required to be dated within 90 days of the closing date. - Investor-10/XX/2025 <br>Open-Evidence of Good Standing in file is dated 05-XX-2025 and note is dated 10-XX-2025. Document age of days exceeds guidelines. Evidence of Good Standing in file is dated 05-XX-2025 and note is dated 10-XX-2025. Document age of 156 days exceeds guidelines. - Due Diligence Vendor-10/XX/2025 |  | Resolved-TPR was able to confirm the business entity is in good standing through MD.Gov. Finding Resolved. - Due Diligence Vendor-11/11/2025 <br>Resolved-Evidence of Good Standing in file is dated 05-XX-2025 and note is dated 10-XX-2025. Document age of days is within guidelines. - Due Diligence Vendor-11/11/2025<br>| XX |  |  | MD | Investment | Purchase | NA | XX | N/A | N/A |
| 339 | XX | XX |  |  | Closed | 2025-XX-22 10:56 | 2025-XX-22 10:56 | 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/XX/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-10/22/2025<br>|  |  |  | LA | Primary Residence | Purchase | NA | XX | Investor Post-Close | No |
| 340 | XX | XX |  |  | Closed | 2025-XX-11 09:02 | 2025-XX-13 13:06 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Lender provided New York pamphlet "What Mortgage Applicants Need to Know". Condition cleared. - Due Diligence Vendor-11/XX/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. initial docs - Buyer-11/XX/2025 <br>Open-Missing the New York pamphlet "What Mortgage Applicants Need to Know" which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/XX/2025. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Lender provided New York pamphlet "What Mortgage Applicants Need to Know". Condition cleared. - Due Diligence Vendor-11/13/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-11/13/2025<br>| XX |  |  | NY | Investment | Purchase | NA | XX | N/A | N/A |
| 371 | XX | XX |  |  | Closed | 2025-XX-14 12:02 | 2025-XX-20 14:23 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose Affidavit received. Finding resolved. - Due Diligence Vendor-11/XX/2025 <br>Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. Business Purpose - Buyer-11/XX/2025 <br>Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Business Purpose Affidavit received. Finding resolved. - Due Diligence Vendor-11/20/2025 <br>Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-11/20/2025<br>| XX |  |  | NC | Investment | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A |
| 374 | XX | XX |  |  | Closed | 2025-XX-11 09:45 | 2026-XX-17 19:23 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-XX- Due Diligence Vendor-11/XX/2025 <br>Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached CD for XX property. - Buyer-11/XX/2025 <br>Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements As per Final 1003, REO-3 was recently purchased. However, supporting documents are missing to verify the PITI for the same property. - Due Diligence Vendor-11/XX/2025 |  | Resolved-XX- Due Diligence Vendor-11/14/2025 <br>Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-11/14/2025<br>| XX |  |  | NY | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 374 | XX | XX |  |  | Closed | 2025-XX-11 12:04 | 2025-XX-14 09:51 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Lender provided final Closing Disclosure for REO-3 with PITIA listed. Finding Resolved. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Please see attached CD for XX property. - Investor-11/XX/2025 <br>Open-As per Final 1003, REO-3 was recently purchased. However, supporting documents are missing to verify the PITI for the same property. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Lender provided final Closing Disclosure for REO-3 with PITIA listed. Finding Resolved. - Due Diligence Vendor-11/14/2025<br>|  |  |  | NY | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 374 | XX | XX |  |  | Closed | 2025-XX-11 09:53 | 2025-XX-13 15:32 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Lender provided New York pamphlet "What Mortgage Applicants Need to Know". Condition cleared. - Due Diligence Vendor-11/XX/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached initial disclosures and acknowledgement of receipt, What Mortgage Applicants Need to Know Pamphlet is included in initial disclosures. - Seller-11/XX/2025 <br>Open-Missing the New York pamphlet "What Mortgage Applicants Need to Know" which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/XX/2025. - Due Diligence Vendor-11/XX/2025 | Ready for Review-Document Uploaded. Please see attached initial disclosures and acknowledgement of receipt, What Mortgage Applicants Need to Know Pamphlet is included in initial disclosures. - Seller-11/13/2025<br>| Resolved-Lender provided New York pamphlet "What Mortgage Applicants Need to Know". Condition cleared. - Due Diligence Vendor-11/13/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-11/13/2025<br>| XX |  |  | NY | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 376 | XX | XX |  |  | Closed | 2025-XX-05 19:13 | 2025-XX-20 19:28 | Cured | 2 - Non-Material | Compliance | Rescission:Variance | Federal - Right of Rescission Variance Failure (TILA) | Cured-The rescission period has expired. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Borrower has not rescinded loan - Buyer-11/XX/2025 <br>Counter-Lender provided the new NORTC. Please resubmit the condition for review after the rescission period has expired as proof the borrower did not rescind. Condition maintained. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. rtc - Buyer-11/XX/2025 <br>Open-The disclosed "Right to Cancel Expire Date" (2025-XX-17) is earlier than the system calculated "Right to Cancel Expire Date" (2025-XX-18). Under Regulation Z, funds may not be disbursed to the borrower until the expiration of the rescission period. (12 CFR 1026.23(c) and Official Staff Commentary) Borrower(s) did not receive 3 days right of rescission. Lender to reopen rescission giving borrower the required 3 days. Provide borrower signed copy of new NORTC. NOTE: Condition will not be cleared prior to new expiration date. <br> - Due Diligence Vendor-11/XX/2025 <br>Open- - Due Diligence Vendor-11/XX/2025 |  | Cured-The rescission period has expired. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/21/2025<br>| XX |  |  | CO | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A |
| 409 | XX | XX |  |  | Closed | 2025-XX-06 14:21 | 2025-XX-10 07:34 | Resolved | 1 - Information | Credit | Closing | Evidence of Good Standing age exceeds guidelines | Resolved-Lender provided Evidence of Good Standing. Finding Resolved. - Due Diligence Vendor-11/XX/2025 <br>Resolved-Evidence of Good Standing in file is dated 11-XX-2024 and note is dated 10-XX-2025. Document age of days is within guidelines. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached showing certificate of good standing was obtained on 09-XX-25 and 10-XX-25. - Buyer-11/XX/2025 <br>Open-Evidence of Good Standing in file is dated 11-XX-2024 and note is dated 10-XX-2025. Document age of days exceeds guidelines. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Lender provided Evidence of Good Standing. Finding Resolved. - Due Diligence Vendor-11/10/2025 <br>Resolved-Evidence of Good Standing in file is dated 11-XX-2024 and note is dated 10-XX-2025. Document age of days is within guidelines. - Due Diligence Vendor-11/10/2025<br>| XX |  |  | PA | Investment | Purchase | NA | XX | N/A | N/A |
| 419 | XX | XX |  |  | Closed | 2025-XX-10 12:57 | 2025-XX-10 12:58 | 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/XX/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-11/10/2025<br>|  |  |  | ME | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | Originator Pre-Close | No |
| 439 | XX | XX |  |  | Closed | 2025-XX-11 09:36 | 2025-XX-11 09:36 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-11/XX/2025 |  | Waived-Housing History Does Not Meet Guideline Requirements A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-11/11/2025<br>|  |  | 8.81 yrs Self Employed<br> 698 credit score exceeds guideline minimum 640<br> 65% ltv below the guideline maxmimum 80%<br> 15.5% DTI is below the guideline maximum 43% | AL | Primary Residence | Purchase | NA | XX | Originator Pre-Close | Yes |
| 448 | XX | XX |  |  | Closed | 2025-XX-17 08:40 | 2025-XX-20 05:03 | 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/XX/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-10/17/2025<br>|  |  |  | AZ | Primary Residence | Purchase | NA | XX | Investor Post-Close | No |
| 459 | XX | XX |  |  | Closed | 2025-XX-06 15:36 | 2025-XX-11 07:40 | Resolved | 1 - Information | Credit | Closing | Evidence of Good Standing age exceeds guidelines | Resolved-Evidence of Good Standing in file is dated 04-XX-2025 and note is dated 10-XX-2025. Document age of days is within guidelines. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached letter obtaining on 10-XX-25. - Buyer-11/XX/2025 <br>Open-Evidence of Good Standing in file is dated 04-XX-2025 and note is dated 10-XX-2025. Document age of days exceeds guidelines. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Evidence of Good Standing in file is dated 04-XX-2025 and note is dated 10-XX-2025. Document age of days is within guidelines. - Due Diligence Vendor-11/11/2025<br>| XX |  |  | MD | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| 463 | XX | XX |  |  | Closed | 2025-XX-18 12:31 | 2026-XX-17 09:23 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/XX/2026 <br>Resolved-Received the XX CDA. Finding Resolved - Due Diligence Vendor-01/XX/2026 <br>Counter-Missing the XX CDA disclosed on the CD and any supplemental documentation outlining the errors - Due Diligence Vendor-01/XX/2026 <br>Ready for Review-We made the determination that the XX CDA that was ordered was done poorly with significant errors in the report so we ordered an additional valuation tool (permitted per guidelines) at our own cost through XX. Both the CCA from CA and the CU score (1.5) show the value on the appraisal is more than supported. - Buyer-01/XX/2026 <br>Counter-Additional valuation performed needed to verify sufficient for value, finding maintained. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-UW response: XX CDA isn't required, program requires one CDA - checked with leadership.<br>Please advise what you will accept to clear. - Investor-12/XX/2025 <br>Counter-The CA Desk Review is in the loan file. While only one Desk Review is needed to support the value, an additional valuation was disclosed. The File also contains the Invoice for the XX Desk Review and the Closing Disclosure list the XX Desk Review Charge. We need the valuation referenced on the XX invoice and charge on the CD. - Due Diligence Vendor-12/XX/2025 <br>Ready for Review-UW response: only one CDA is required and CA CDA was provided - CDA from XX not required - Investor-12/XX/2025 <br>Open-A valid secondary valuation supporting the origination appraisal value is not present. Upon further review - Missing the XX Desk Review - disclosed on the Final CD and Invoice in file. - Due Diligence Vendor-12/XX/2025 |  | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/16/2026 <br>Resolved-Received the XX CDA. Finding Resolved - Due Diligence Vendor-01/16/2026<br>|  |  |  | VA | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| 463 | XX | XX |  |  | Closed | 2026-XX-15 22:49 | 2026-XX-15 22:49 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-01/XX/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-01/16/2026<br>|  |  |  | VA | Investment | Refinance | Cash Out - Other | XX | Investor Post-Close | No |
| 463 | XX | XX |  |  | Closed | 2025-XX-04 15:51 | 2025-XX-14 08:04 | Resolved | 1 - Information | Credit | Missing Doc | Missing Mortgage/Deed of Trust | Resolved-The Deed of Trust is Present - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached mortgage. - Investor-11/XX/2025 <br>Open-The Deed of Trust is Missing DOT in file does not match subject property address - Due Diligence Vendor-11/XX/2025 |  | Resolved-The Deed of Trust is Present - Due Diligence Vendor-11/14/2025<br>| XX |  |  | VA | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| 463 | XX | XX |  |  | Closed | 2025-XX-04 15:46 | 2025-XX-14 07:58 | Resolved | 1 - Information | Credit | Missing Doc | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached Note. - Investor-11/XX/2025 <br>Open-The Note is Missing Note in file does not match property address - Due Diligence Vendor-11/XX/2025 |  | Resolved-The Note is Present - Due Diligence Vendor-11/14/2025<br>| XX |  |  | VA | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| 463 | XX | XX |  |  | Closed | 2025-XX-04 15:59 | 2025-XX-14 07:57 | Resolved | 1 - Information | Credit | Missing Doc | Missing Final Application (1003) | Resolved-Final 1003 provided. Finding Resolved. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached application. - Investor-11/XX/2025 <br>Open-A final application for the subject transaction was not provided Final Loan Application in file is not for subject property address - Due Diligence Vendor-11/XX/2025 |  | Resolved-Final 1003 provided. Finding Resolved. - Due Diligence Vendor-11/14/2025<br>| XX |  |  | VA | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| 472 | XX | XX |  |  | Closed | 2025-XX-04 07:58 | 2025-XX-13 14:42 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Lender provided New York pamphlet "What Mortgage Applicants Need to Know". Condition cleared. - Due Diligence Vendor-11/XX/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. initial docs - Buyer-11/XX/2025 <br>Open-Missing the New York pamphlet "What Mortgage Applicants Need to Know" which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/XX/2025. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Lender provided New York pamphlet "What Mortgage Applicants Need to Know". Condition cleared. - Due Diligence Vendor-11/13/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-11/13/2025<br>| XX |  |  | NY | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| 474 | XX | XX |  |  | Closed | 2025-XX-11 08:38 | 2025-XX-11 08:40 | 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/XX/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>|  |  |  | WI | Second Home | Purchase | NA | XX | Originator Post-Close | No |
| 476 | XX | XX |  |  | Closed | 2025-XX-05 11:46 | 2025-XX-05 11:46 | 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. - Due Diligence Vendor-11/XX/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-11/05/2025<br>|  |  |  | FL | Investment | Purchase | NA | XX | Investor Post-Close | No |
| 486 | XX | XX |  |  | Closed | 2025-XX-11 11:33 | 2025-XX-11 11:33 | 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/XX/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>|  |  |  | CA | Investment | Purchase | NA | XX | Investor Post-Close | No |
| 487 | XX | XX |  |  | Closed | 2025-XX-10 13:21 | 2025-XX-20 18:49 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Lender provided New York pamphlet "What Mortgage Applicants Need to Know". Condition cleared. - Due Diligence Vendor-11/XX/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. Initial Documents - Buyer-11/XX/2025 <br>Open-Missing the New York pamphlet "What Mortgage Applicants Need to Know" which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/XX/2025. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Lender provided New York pamphlet "What Mortgage Applicants Need to Know". Condition cleared. - Due Diligence Vendor-11/21/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-11/21/2025<br>| XX |  |  | NY | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 491 | XX | XX |  |  | Closed | 2025-XX-17 16:49 | 2025-XX-04 11:30 | Resolved | 1 - Information | Credit | Insurance | Flood Insurance Expiration Date is before the Note Date | Resolved-Lender provided Master Flood Policy. Finding Resolved. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached flood policy. - Buyer-11/XX/2025 <br>Open-Flood Insurance Expiration Date of 10-XX-2025 is prior to the Note Date of 10-XX-2025 - Due Diligence Vendor-10/XX/2025 |  | Resolved-Lender provided Master Flood Policy. Finding Resolved. - Due Diligence Vendor-11/04/2025<br>| XX |  |  | FL | Investment | Purchase | NA | XX | N/A | N/A |
| 492 | XX | XX |  |  | Closed | 2025-XX-17 08:58 | 2025-XX-31 07:10 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. B1 Business purpose - Buyer-10/XX/2025 <br>Counter-Received Business Purpose Affidavit for B2 but document is still missing for B1. Finding remains. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. business purpose - Buyer-10/XX/2025 <br>Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-10/XX/2025 |  | Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-10/31/2025<br>| XX |  |  | WI | Investment | Purchase | NA | XX | N/A | N/A |
| 501 | XX | XX |  |  | Closed | 2025-XX-11 16:35 | 2025-XX-19 12:23 | Resolved | 1 - Information | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Lender provided PCCD correcting the Disbursement Date. Condition cleared. - Due Diligence Vendor-11/XX/2025 <br>Resolved-Resolved - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. PCCD - Buyer-11/XX/2025 <br>Open-The loan disbursement date (2025-XX-21) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (2025-XX-21). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) Right to Cancel provided in the loan file reflects a transaction date of 10/XX/2025 with an expiration date of 10/XX/2025. The loan disbursed on 10/XX/2025 per the final CD, which did not give the Borrower a full 3 days rescission period. - Due Diligence Vendor-11/XX/2025 <br>Open- - Due Diligence Vendor-11/XX/2025 <br>Open- - Due Diligence Vendor-11/XX/2025 <br>Open- - Due Diligence Vendor-11/XX/2025 |  | Resolved-Lender provided PCCD correcting the Disbursement Date. Condition cleared. - Due Diligence Vendor-11/19/2025 <br>Resolved-Resolved - Due Diligence Vendor-11/19/2025<br>| XX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A |
| 501 | XX | XX |  |  | Closed | 2025-XX-11 17:03 | 2025-XX-12 09:00 | Waived | 2 - Non-Material | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 74.12% exceeds Guideline LTV of 70% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/XX/2025 |  | Waived-Audited LTV of 74.12% exceeds Guideline LTV of 70% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/12/2025<br>|  |  | Minimum FICO 758, Maximum DTI 35%, Maximum LTV 75%, Minimum reserve requirement met. | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | Originator Pre-Close | Yes |
| 501 | XX | XX |  |  | Closed | 2025-XX-11 17:03 | 2025-XX-12 09:00 | Waived | 2 - Non-Material | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Audited HLTV of 74.12% exceeds Guideline HCLTV of 70% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/XX/2025 |  | Waived-Audited HLTV of 74.12% exceeds Guideline HCLTV of 70% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/12/2025<br>|  |  | Minimum FICO 758, Maximum DTI 35%, Maximum LTV 75%, Minimum Reserve requirement met. | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | Originator Pre-Close | Yes |
| 501 | XX | XX |  |  | Closed | 2025-XX-11 17:03 | 2025-XX-12 08:59 | Waived | 2 - Non-Material | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Audited CLTV of 74.12% exceeds Guideline CLTV of 70% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/XX/2025 |  | Waived-Audited CLTV of 74.12% exceeds Guideline CLTV of 70% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/12/2025<br>|  |  | Minimum FICO 758, Maximum DTI 35%, Maximum LTV 75%, Minimum Reserve requirement met. | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | Originator Pre-Close | Yes |
| 507 | XX | XX |  |  | Closed | 2025-XX-15 09:20 | 2026-XX-18 12:10 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Documentation received, finding resolved - Due Diligence Vendor-10/XX/2025 <br> Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-10/XX/2025 <br> Ready for Review-Document Uploaded. bnk stmt - Buyer-10/XX/2025 <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Loan file is missing bank statement from XX, account number ending XX, dated 12/XX/2024. - Due Diligence Vendor-10/XX/2025 |  | Resolved-Documentation received, finding resolved - Due Diligence Vendor-10/28/2025 <br>Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-10/28/2025<br>| XX |  |  | NJ | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 507 | XX | XX |  |  | Closed | 2025-XX-15 09:21 | 2025-XX-28 14:23 | Resolved | 1 - Information | Credit | Missing Doc | Missing Income - Bank Statements | Resolved-Documentation received, finding resolved - Due Diligence Vendor-10/XX/2025 <br> Ready for Review-Document Uploaded. bnk stmt - Buyer-10/XX/2025 <br> Open-Loan file is missing bank statement from XX, account number ending XX, dated 12/XX/2024. - Due Diligence Vendor-10/XX/2025 |  | Resolved-Documentation received, finding resolved - Due Diligence Vendor-10/28/2025<br>| XX |  |  | NJ | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 522 | XX | XX |  |  | Closed | 2025-XX-07 08:32 | 2025-XX-07 08:32 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-11/XX/2025 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-11/07/2025<br>|  |  |  | TX | Primary Residence | Purchase | NA | XX | Investor Post-Close | No |
| 525 | XX | XX |  |  | Closed | 2025-XX-07 16:33 | 2025-XX-13 17:39 | Resolved | 1 - Information | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Loan qualified using short-term rental. Finding resolved. - Due Diligence Vendor-11/XX/2025 <br>Resolved-Audited LTV of 80% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-DSCR is 1.32 and 80% LTV is acceptable. Total PITIA is $2005.49 and market rent is $2658.33 from the AirDNA. - Buyer-11/XX/2025 <br>Open-Audited LTV of 80% exceeds Guideline LTV of 75% Max LTV for a purchase transaction when the DSCR is < 1.00% is 75% - Due Diligence Vendor-11/XX/2025 |  | Resolved-Loan qualified using short-term rental. Finding resolved. - Due Diligence Vendor-11/13/2025 <br>Resolved-Audited LTV of 80% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-11/13/2025<br>|  |  |  | FL | Investment | Purchase | NA | XX | N/A | N/A |
| 549 | XX | XX |  |  | Closed | 2025-XX-14 17:51 | 2025-XX-23 11:40 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Guides silent regarding regarding mortgages that borrower is not personally responsible for therefore defaulting to FNMA guidelines which state that if the borrower is not personally liable, and the business pays the mortgage, then no VOM is required. Payoff statements in file reflect mortgages in the name of the borrower's business. Finding resolved.<br> - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Drive report does not show mortgages for properties in borrowers name. All docs provided confirm ownership in name of LLC. no VOM is required if borrower is not personally liable on the mortga - Buyer-10/XX/2025 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Missing 12 month payment history for subject and REO's. - Due Diligence Vendor-10/XX/2025 |  | Resolved-Guides silent regarding regarding mortgages that borrower is not personally responsible for therefore defaulting to FNMA guidelines which state that if the borrower is not personally liable, and the business pays the mortgage, then no VOM is required. Payoff statements in file reflect mortgages in the name of the borrower's business. Finding resolved.<br> - Due Diligence Vendor-10/23/2025<br>|  |  |  | OK | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| 551 | XX | XX |  |  | Closed | 2025-XX-14 16:43 | 2025-XX-20 12:48 | Resolved | 1 - Information | Credit | Closing | Evidence of Good Standing age exceeds guidelines | Resolved-Evidence of Good Standing in file is dated 06-XX-2012 and note is dated 09-XX-2025. Document age of days is within guidelines. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. Please see the attached printout from the South Carolina Secretary of State website confirming that the LLC is currently in good standing. 6/XX/2012 was the filing date of the articles of organization for the LLC, not the good standing date. - Buyer-10/XX/2025 <br>Open-Evidence of Good Standing in file is dated 06-XX-2012 and note is dated 09-XX-2025. Document age of days exceeds guidelines. Evidence of Good Standing in file is dated 06-XX-2012 and note is dated 09-XX-2025. Document age exceeds guidelines. - Due Diligence Vendor-10/XX/2025 |  | Resolved-Evidence of Good Standing in file is dated 06-XX-2012 and note is dated 09-XX-2025. Document age of days is within guidelines. - Due Diligence Vendor-10/20/2025<br>| XX |  |  | NC | Investment | Purchase | NA | XX | N/A | N/A |
| 554 | XX | XX |  |  | Closed | 2025-XX-29 07:46 | 2025-XX-14 08:26 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of 10-XX-2025 is prior to or equal to the Note Date of 10-XX-2025 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. hoi - Buyer-11/XX/2025 <br>Open-Hazard Insurance Effective Date of 10-XX-2025 is after the Note Date of 10-XX-2025 Hazard Insurance Effective Date is after the Note Date - Due Diligence Vendor-10/XX/2025 |  | Resolved-Hazard Insurance Effective Date of 10-XX-2025 is prior to or equal to the Note Date of 10-XX-2025 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-11/14/2025<br>| XX |  |  | VA | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 560 | XX | XX |  |  | Closed | 2025-XX-13 08:26 | 2026-XX-17 19:37 | 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-01/XX/2026 <br> Resolved-Lender provided Business Bank stmt #xx - $24,000 was withdrawn and moved to #xx on the same day. Finding Resolved.<br> - Due Diligence Vendor-10/XX/2025 <br> Ready for Review-Document Uploaded. Please review Business Bank stmt #xx - $24,000 was withdrawn and moved to #xx on the same day - Seller-10/XX/2025 <br> Counter-Lender provided Closing Disclosure dated 12/XX/2024, cashier's check $26,411,81 dated 12/XX/2024 & LOI from borrower stating the $26,411.81 was used for closing cost for another property. Still need source of large deposit on 07/XX/2025 for $24,000 into #XX. Finding Remains. - Due Diligence Vendor-10/XX/2025 <br> Ready for Review-Document Uploaded. large check - Buyer-10/XX/2025 <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements missing source of large deposit - Due Diligence Vendor-10/XX/2025 | Ready for Review-Document Uploaded. Please review Business Bank stmt #xx - $24,000 was withdrawn and moved to #XX on the same day - Seller-10/20/2025 | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-01/18/2026 <br> Resolved-Lender provided Business Bank stmt #XX - $24,000 was withdrawn and moved to #xx on the same day. Finding Resolved.<br> - Due Diligence Vendor-10/21/2025 | XX |  |  | TX | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 560 | XX | XX |  |  | Closed | 2025-XX-08 09:27 | 2026-XX-17 19:35 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-Lender provided copy of Final Closing Disclosure with evidence of property taxes. Finding Resolved. - Due Diligence Vendor-10/XX/2025 <br> Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-10/XX/2025 <br> Ready for Review-Document Uploaded. Disagree - please refer to the attached settlement statement which shows the $449.86 monthly loan payment + $146.59 tax/other expenses for the XX property, as well as the assessor's property information card confirming that the XX property is land only so there is no insurance expense or HOA expense. - Investor-10/XX/2025 <br> Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Taxes & HOA missing for REO 3b - Due Diligence Vendor-10/XX/2025 |  | Resolved-Lender provided copy of Final Closing Disclosure with evidence of property taxes. Finding Resolved. - Due Diligence Vendor-10/21/2025 <br>Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-10/21/2025<br>| XX |  |  | TX | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 560 | XX | XX |  |  | Closed | 2025-XX-13 08:26 | 2025-XX-21 09:09 | Resolved | 1 - Information | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Lender provided Business Bank stmt #XX - $24,000 was withdrawn and moved to #XX on the same day. Finding Resolved.<br> - Due Diligence Vendor-10/XX/2025 <br> Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-10/XX/2025 <br> Ready for Review-Document Uploaded. Business Bank stmt #XX - $24,000 was withdrawn and moved to #XX on the same day - Buyer-10/XX/2025 <br> Counter-Lender provided Closing Disclosure dated 12/XX/2024, cashier's check $26,411,81 dated 12/XX/2024 & LOI from borrower stating the $26,411.81 was used for closing cost for another property. Still need source of large deposit on 07/XX/2025 for $24,000 into #XX. Finding Remains. - Due Diligence Vendor-10/XX/2025 <br> Ready for Review-Document Uploaded. large check - Investor-10/XX/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Missing source of large deposit on 07/XX/2025 for $24,000 into #XX - Due Diligence Vendor-10/XX/2025 |  | Resolved-Lender provided Business Bank stmt #xx - $24,000 was withdrawn and moved to #xx on the same day. Finding Resolved.<br> - Due Diligence Vendor-10/21/2025 <br> Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-10/21/2025 | XX |  |  | TX | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 560 | XX | XX |  |  | Closed | 2025-XX-13 08:36 | 2025-XX-21 09:00 | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of Property Taxes for REO | Resolved-Lender provided copy of Final Closing Disclosure with evidence of property taxes. Finding Resolved. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. please review ALL pages of the attachment. the settlement statement and other supporting documents are in the attachment - Investor-10/XX/2025 <br>Open-Evidence of property taxes for property 3b on the final application not provided. Additional conditions may apply - Due Diligence Vendor-10/XX/2025 |  | Resolved-Lender provided copy of Final Closing Disclosure with evidence of property taxes. Finding Resolved. - Due Diligence Vendor-10/21/2025<br>| XX |  |  | TX | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 560 | XX | XX |  |  | Closed | 2025-XX-13 08:39 | 2025-XX-16 12:47 | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of HOA Dues for REO1 | Resolved-Received executed borrower LOI stating there is no HOA. Finding Resolved. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. hoa - Buyer-10/XX/2025 <br>Open-Missing Evidence of HOA Dues for REO1 HOA reflected on the purchase CD for property 3b of the final 1003. Missing statement for HOA. Additional conditions may apply - Due Diligence Vendor-10/XX/2025 |  | Resolved-Received executed borrower LOI stating there is no HOA. Finding Resolved. - Due Diligence Vendor-10/16/2025<br>| XX |  |  | TX | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 567 | XX | XX |  |  | Closed | 2025-XX-31 14:16 | 2026-XX-19 12:54 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. CDA - Buyer-11/XX/2025 <br>Open-A valid secondary valuation supporting the origination appraisal value is not present. Secondary Valuation is missing - Due Diligence Vendor-10/XX/2025 |  | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-11/14/2025<br>| XX |  |  | NH | Investment | Purchase | NA | XX | N/A | N/A |
| 568 | XX | XX |  |  | Closed | 2025-XX-27 10:58 | 2025-XX-04 11:35 | Resolved | 1 - Information | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XX is equal to or greater than Total Amount of Subject Lien(s) $XX - Due Diligence Vendor-11/XX/2025 <br> Ready for Review-Document Uploaded. title - Buyer-11/XX/2025 <br> Open-Title Coverage Amount of $XX is Less than Total Amount of Subject Lien(s) of $XX Coverage amount of $XX is less than note amount of $XX. - Due Diligence Vendor-10/XX/2025 |  | Resolved-Title Coverage Amount of $xx is equal to or greater than Total Amount of Subject Lien(s) $xx - Due Diligence Vendor-11/04/2025 | XX |  |  | NV | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| 571 | XX | XX |  |  | Closed | 2025-XX-08 11:31 | 2025-XX-23 11:49 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Guides silent regarding regarding mortgages that borrower is not personally responsible for therefore defaulting to FNMA guidelines which state that if the borrower is not personally liable, and the business pays the mortgage, then no VOM is required. Payoff statements in file reflect mortgages in the name of the borrower's business. Finding resolved. - Due Diligence Vendor-10/XX/2025 <br> Ready for Review-Drive report does not show mortgages for properties in borrowers name. All docs provided confirm ownership in name of LLC. no VOM is required if borrower is not personally liable on the mortgage - Buyer-10/XX/2025 <br> Counter-Lender provided statement that states 'Borrower held the mtg under a XX and not personally under his name so no payment history is required to be documented.' Per the guidelines, If the mortgage is not verified on the credit report it must be documented by one of the following: VOM by professional management company and/or private party; A copy of the Note & 12 months cancelled checks or bank statements; or Credit Supplement verifying the housing payment history. Please provide copy of guidelines that state if held in an LLC, housing is not required. Finding Remains. - Due Diligence Vendor-10/XX/2025 <br> Ready for Review-Borrower held the mtg under a XX and not personally under his name so no payment history is required to be documented. - Buyer-10/XX/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Missing payment histories for the subject property and the additional REO property. - Due Diligence Vendor-10/XX/2025 |  | Resolved-Guides silent regarding regarding mortgages that borrower is not personally responsible for therefore defaulting to FNMA guidelines which state that if the borrower is not personally liable, and the business pays the mortgage, then no VOM is required. Payoff statements in file reflect mortgages in the name of the borrower's business. Finding resolved. - Due Diligence Vendor-10/23/2025<br>|  |  |  | OK | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| 581 | XX | XX |  |  | Closed | 2025-XX-19 08:39 | 2025-XX-03 18:37 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached business purpose certificate. - Buyer-10/XX/2025 <br>Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-10/XX/2025 |  | Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-11/04/2025<br>| XX |  |  | GA | Investment | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A |
| 599 | XX | XX |  |  | Closed | 2025-XX-27 14:36 | 2025-XX-27 14:53 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-10/XX/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-10/27/2025<br>|  |  |  | UT | Primary Residence | Refinance | Cash Out - Other | XX | Investor Post-Close | No |
| 605 | XX | XX |  |  | Closed | 2025-XX-21 10:12 | 2025-XX-04 11:00 | Resolved | 1 - Information | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is not Missing - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. title - Buyer-11/XX/2025 <br>Open-Title Document is missing Title document not in file - Due Diligence Vendor-10/XX/2025 |  | Resolved-Title Document is not Missing - Due Diligence Vendor-11/04/2025<br>| XX |  |  | TX | Investment | Purchase | NA | XX | N/A | N/A |
| 611 | XX | XX |  |  | Closed | 2025-XX-29 07:44 | 2025-XX-12 16:27 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Lender provided ICD. Condition cleared. - Due Diligence Vendor-11/XX/2025 <br>Resolved- - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. ICD 101325 - Buyer-11/XX/2025 <br>Open-The Initial Closing Disclosure Received Date of (2025-XX-20) is not three business days before the consummation date of (2025-XX-20). Three business days before the consummation date is (20251016). 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 - Due Diligence Vendor-10/XX/2025 <br>Open- - Due Diligence Vendor-10/XX/2025 <br>Open- - Due Diligence Vendor-10/XX/2025 |  | Resolved-Lender provided ICD. Condition cleared. - Due Diligence Vendor-11/12/2025<br>| XX |  |  | WA | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 617 | XX | XX |  |  | Closed | 2025-XX-28 10:43 | 2025-XX-28 10:43 | 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-10/XX/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-10/28/2025<br>|  |  |  | TX | Investment | Purchase | NA | XX | Investor Post-Close | No |
| 618 | XX | XX |  |  | Closed | 2025-XX-11 11:24 | 2025-XX-20 18:45 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Lender provided New York pamphlet "What Mortgage Applicants Need to Know". Condition cleared. - Due Diligence Vendor-11/XX/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached initial disclosures and acknowledgement of receipt, What Mortgage Applicants Need to Know Pamphlet is included in initial disclosures. - Buyer-11/XX/2025 <br>Open-Missing the New York pamphlet "What Mortgage Applicants Need to Know" which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/XX/2025. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Lender provided New York pamphlet "What Mortgage Applicants Need to Know". Condition cleared. - Due Diligence Vendor-11/21/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-11/21/2025<br>| XX |  |  | NY | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 640 | XX | XX |  |  | Closed | 2025-XX-14 16:19 | 2025-XX-23 09:27 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Received copy of a valid ID. Finding resolved. - Due Diligence Vendor-10/XX/2025 <br>Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. ID - Buyer-10/XX/2025 <br>Open-Missing Borrower Identification - Borrower 1. No ID found in file - Due Diligence Vendor-10/XX/2025 |  | Resolved-Received copy of a valid ID. Finding resolved. - Due Diligence Vendor-10/23/2025 <br>Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-10/23/2025<br>| XX |  |  | MD | Investment | Purchase | NA | XX | N/A | N/A |
| 646 | XX | XX |  |  | Closed | 2025-XX-11 05:45 | 2025-XX-13 15:35 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Lender provided New York pamphlet "What Mortgage Applicants Need to Know". Condition cleared. - Due Diligence Vendor-11/XX/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached initial disclosures and acknowledgement of receipt, What Mortgage Applicants Need to Know Pamphlet is included in initial disclosures. - Buyer-11/XX/2025 <br>Open-Missing the New York pamphlet "What Mortgage Applicants Need to Know" which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/XX/2025. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Lender provided New York pamphlet "What Mortgage Applicants Need to Know". Condition cleared. - Due Diligence Vendor-11/13/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-11/13/2025<br>| XX |  |  | NY | Investment | Purchase | NA | XX | N/A | N/A |
| 655 | XX | XX |  |  | Closed | 2025-XX-13 09:39 | 2025-XX-18 10:31 | Waived | 2 - Non-Material | Credit | Eligibility | Transaction Ineligible | Waived-The Borrower owns 2 businesses. Subject loan was qualified with bank statement income for each business. Each business had 9 Non-Sufficient Funds payments, which exceeds the guideline limit of 6. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documents and validated. - Due Diligence Vendor-11/XX/2025 |  | Waived-The Borrower owns 2 businesses. Subject loan was qualified with bank statement income for each business. Each business had 9 Non-Sufficient Funds payments, which exceeds the guideline limit of 6. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documents and validated. - Due Diligence Vendor-11/13/2025<br>|  |  | - FICO of 686<br> - DTI maximum of 35%<br> - LTV maximum of 20%<br> - Minimum reserves of $13,620 | CO | Primary Residence | Purchase | NA | XX | Originator Pre-Close | Yes |
| 655 | XX | XX |  |  | Closed | 2025-XX-18 10:28 | 2025-XX-18 10:28 | 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/XX/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-11/18/2025<br>|  |  |  | CO | Primary Residence | Purchase | NA | XX | Investor Post-Close | No |
| 656 | XX | XX |  |  | Closed | 2025-XX-19 00:42 | 2025-XX-04 11:26 | Resolved | 1 - Information | Credit | Insurance | Flood Insurance Expiration Date is before the Note Date | Resolved-Flood Insurance Expiration Date of 10-XX-2026 is equal to or after the Note Date of 10-XX-2025 Or Flood Insurance Expiration Date Is Not Provided - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached flood policy. - Buyer-11/XX/2025 <br>Open-Flood Insurance Expiration Date of 10-XX-2025 is prior to the Note Date of 10-XX-2025 - Due Diligence Vendor-10/XX/2025 |  | Resolved-Flood Insurance Expiration Date of 10-XX-2026 is equal to or after the Note Date of 10-XX-2025 Or Flood Insurance Expiration Date Is Not Provided - Due Diligence Vendor-11/04/2025<br>| XX |  |  | FL | Investment | Purchase | NA | XX | N/A | N/A |
| 658 | XX | XX |  |  | Closed | 2025-XX-09 15:43 | 2025-XX-11 17:05 | Resolved | 1 - Information | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001261) | Resolved-Lender provided valid COC to decrease the lender credit. Condition cleared. - Due Diligence Vendor-11/XX/2025 <br>Resolved-Resolved - Due Diligence Vendor-11/XX/2025 <br>Open- - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. COC for the CD 9/XX/2025 to address the change in the lender credit (YSP) is attached. - Buyer-11/XX/2025 <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits is ($4,050.00). The actual total fee amount shows a credit amount of ($90.00). The following actual fees submitted as "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3) and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). If a valid COC cannot be provided. a tolerance cure of $3960 is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-11/XX/2025 <br>Open- - Due Diligence Vendor-11/XX/2025 <br>Open- - Due Diligence Vendor-11/XX/2025 <br>Open- - Due Diligence Vendor-11/XX/2025 |  | Resolved-Lender provided valid COC to decrease the lender credit. Condition cleared. - Due Diligence Vendor-11/11/2025 <br>Resolved-Resolved - Due Diligence Vendor-11/11/2025<br>| XX |  |  | CA | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| 658 | XX | XX |  |  | Closed | 2025-XX-09 15:43 | 2025-XX-11 17:05 | Resolved | 1 - Information | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Lender provided valid COC to decrease the lender credit. Condition cleared. - Due Diligence Vendor-11/XX/2025 <br>Resolved-Resolved - Due Diligence Vendor-11/XX/2025 <br>Open- - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. COC for the CD 9/XX/2025 to address the change in the lender credit (YSP) is attached. - Buyer-11/XX/2025 <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($4,050.00). The Last CD shows a total lender credit amount of ($90.00). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). If a valid COC cannot be provided. a tolerance cure of $3960 is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-11/XX/2025 <br>Open- - Due Diligence Vendor-11/XX/2025 <br>Open- - Due Diligence Vendor-11/XX/2025 <br>Open- - Due Diligence Vendor-11/XX/2025 |  | Resolved-Lender provided valid COC to decrease the lender credit. Condition cleared. - Due Diligence Vendor-11/11/2025 <br>Resolved-Resolved - Due Diligence Vendor-11/11/2025<br>| XX |  |  | CA | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| 669 | XX | XX |  |  | Closed | 2025-XX-31 07:00 | 2025-XX-06 20:08 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached ID. - Buyer-11/XX/2025 <br>Open-Missing Borrower Identification - Borrower 1. - Due Diligence Vendor-10/XX/2025 |  | Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-11/07/2025<br>| XX |  |  | GA | Investment | Purchase | NA | XX | N/A | N/A |
| 703 | XX | XX |  |  | Closed | 2025-XX-14 09:00 | 2025-XX-14 09:00 | 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/XX/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/14/2025<br>|  |  |  | LA | Primary Residence | Purchase | NA | XX | Investor Post-Close | No |
| 711 | XX | XX |  |  | Closed | 2025-XX-29 08:08 | 2025-XX-29 08:08 | 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/XX/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-10/29/2025<br>|  |  |  | MN | Primary Residence | Purchase | NA | XX | Investor Post-Close | No |
| 722 | XX | XX |  |  | Closed | 2025-XX-04 13:28 | 2025-XX-11 12:40 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Resolved-Lender provided evidence Homeownership Counseling Organization Disclosure sent timely. Condition cleared. - Due Diligence Vendor-11/XX/2025 <br>Resolved-Resolved - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. initial docs - Buyer-11/XX/2025 <br>Open-The Homeownership Counseling Organization Disclosure Sent Date (2025-XX-25) is more than 3 business days from the Application Date (2025-XX-09). Three business days from the Application Date is (2025-XX-12). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/XX/2025 <br>Open- - Due Diligence Vendor-11/XX/2025 |  | Resolved-Lender provided evidence Homeownership Counseling Organization Disclosure sent timely. Condition cleared. - Due Diligence Vendor-11/11/2025 <br>Resolved-Resolved - Due Diligence Vendor-11/11/2025<br>| XX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A |
| 722 | XX | XX |  |  | Closed | 2025-XX-08 08:00 | 2025-XX-11 12:37 | Resolved | 1 - Information | Compliance | Disclosure | RESPA: AfBA Disclosure not provided timely | Resolved-Lender provided evidence Affiliated Business Disclosure sent timely. Condition cleared. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. initial docs - Buyer-11/XX/2025 <br>Open-RESPA: Lender's Affiliated Business Disclosure Date 09/XX/2025 is not within three business days of Application Date 09/XX/2025. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/XX/2025 |  | Resolved-Lender provided evidence Affiliated Business Disclosure sent timely. Condition cleared. - Due Diligence Vendor-11/11/2025<br>| XX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | N/A | N/A |
| 723 | XX | XX |  |  | Closed | 2025-XX-21 09:47 | 2025-XX-31 13:20 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-The lender provided evidence the New York pamphlet "What Mortgage Applicants Need to Know" was provided timely. Condition cleared. - Due Diligence Vendor-10/XX/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. NY doc - Buyer-10/XX/2025 <br>Open-Missing the New York pamphlet "What Mortgage Applicants Need to Know" which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/XX/2025. - Due Diligence Vendor-10/XX/2025 |  | Resolved-The lender provided evidence the New York pamphlet "What Mortgage Applicants Need to Know" was provided timely. Condition cleared. - Due Diligence Vendor-10/31/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-10/31/2025<br>| XX |  |  | NY | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 723 | XX | XX |  |  | Closed | 2025-XX-21 11:19 | 2025-XX-31 13:20 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Resolved-The lender provided evidence the Homeownership Counseling Organization Disclosure was provided timely. Condition cleared. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. intial docs with hoc - Buyer-10/XX/2025 <br>Open-The Homeownership Counseling Organization Disclosure Sent Date (2025-XX-16) is more than 3 business days from the Application Date (2025-XX-04). Three business days from the Application Date is (2025-XX-09). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) - Due Diligence Vendor-10/XX/2025 <br>Open- - Due Diligence Vendor-10/XX/2025 |  | Resolved-The lender provided evidence the Homeownership Counseling Organization Disclosure was provided timely. Condition cleared. - Due Diligence Vendor-10/31/2025<br>| XX |  |  | NY | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 742 | XX | XX |  |  | Closed | 2025-XX-05 14:21 | 2025-XX-05 14:21 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-11/XX/2025 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-11/05/2025<br>|  |  |  | TX | Primary Residence | Purchase | NA | XX | Investor Post-Close | No |
| 743 | XX | XX |  |  | Closed | 2025-XX-11 07:56 | 2025-XX-11 07:56 | 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/XX/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>|  |  |  | VA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | Investor Post-Close | No |
| 746 | XX | XX |  |  | Closed | 2025-XX-30 08:43 | 2025-XX-14 11:34 | Resolved | 1 - Information | Credit | Eligibility | Appraisal Transfer Does Not Meet Guideline Requirements | Resolved-XX- Due Diligence Vendor-11/XX/2025 <br>Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached transfer letter. - Buyer-11/XX/2025 <br>Open-Appraisal Transfer Does Not Meet Guideline Requirements. The file is missing a Signed and dated Transfer Letter from the original lender to the lender of record releasing the document - Due Diligence Vendor-10/XX/2025 |  | Resolved-XX- Due Diligence Vendor-11/14/2025 <br>Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-11/14/2025<br>| XX |  |  | VA | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 746 | XX | XX |  |  | Closed | 2025-XX-30 08:10 | 2025-XX-30 08:10 | 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/XX/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-10/30/2025<br>|  |  |  | VA | Primary Residence | Purchase | NA | XX | Investor Post-Close | No |
| 750 | XX | XX |  |  | Closed | 2025-XX-07 07:58 | 2026-XX-17 20:10 | 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-01/XX/2026 <br> Resolved-Taxes and Insurance for REO 5 provided; condition resolved. - Due Diligence Vendor-11/XX/2025 <br> Ready for Review-Document Uploaded. Please see attached tax and insurance for 1070 Route 9W and 1072 Route 9W properties. - Investor-11/XX/2025 <br> Counter-Loan file is missing evidence of $331 HOI and Taxes for REO 3e. Finding remains. - Due Diligence Vendor-11/XX/2025 <br> Ready for Review-XX and XX are on the same HOI policy and taxes. The properties were separated on the 1003 due to the leases provided. The total payment for the properties may be slightly higher in our system of record and is divided between the two properties. - Investor-11/XX/2025 <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements The investment property reflected on the final loan application in section 3e was qualified with a housing payment of $331.00 per month. The loan file is missing documentation to confirm this payment amount. - Due Diligence Vendor-11/XX/2025 |  | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-01/18/2026 <br>Resolved-Taxes and Insurance for REO 5 provided; condition resolved. - Due Diligence Vendor-11/24/2025<br>| XX |  |  | NY | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| 750 | XX | XX |  |  | Closed | 2025-XX-07 07:57 | 2025-XX-24 16:01 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Taxes and Insurance for REO 5 provided; condition resolved. - Due Diligence Vendor-11/XX/2025 <br> Ready for Review-Document Uploaded. Tax and insurance are attached, 1070 Route 9W and 1072 Route 9W are on the same HOI policy and taxes. - Seller-11/XX/2025 <br> Counter-Loan file is missing evidence of $331 HOI and Taxes for REO 3e. Finding remains. - Due Diligence Vendor-11/XX/2025 <br> Ready for Review-XX and XX are on the same HOI policy and taxes. The properties were separated on the 1003 due to the leases provided. The total payment for the properties may be slightly higher in our system of record and is divided between the two properties. - Buyer-11/XX/2025 <br> Open-The investment property reflected on the final loan application in section 3e was qualified with a housing payment of $331.00 per month. The loan file is missing documentation to confirm this payment amount. - Due Diligence Vendor-11/XX/2025 | Ready for Review-Document Uploaded. Tax and insurance are attached, xx and xx are on the same HOI policy and taxes. - Seller-11/19/2025 | Resolved-Taxes and Insurance for REO 5 provided; condition resolved. - Due Diligence Vendor-11/24/2025<br>| XX |  |  | NY | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| 750 | XX | XX |  |  | Closed | 2025-XX-07 06:46 | 2025-XX-13 16:41 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Lender provided New York pamphlet "What Mortgage Applicants Need to Know". Condition cleared. - Due Diligence Vendor-11/XX/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached initial disclosures and acknowledgement of receipt, What Mortgage Applicants Need to Know Pamphlet is included in initial disclosures. - Seller-11/XX/2025 <br>Open-Missing the New York pamphlet "What Mortgage Applicants Need to Know" which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/XX/2025. - Due Diligence Vendor-11/XX/2025 | Ready for Review-Document Uploaded. Please see attached initial disclosures and acknowledgement of receipt, What Mortgage Applicants Need to Know Pamphlet is included in initial disclosures. - Seller-11/13/2025<br>| Resolved-Lender provided New York pamphlet "What Mortgage Applicants Need to Know". Condition cleared. - Due Diligence Vendor-11/13/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-11/13/2025<br>| XX |  |  | NY | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| 754 | XX | XX |  |  | Closed | 2025-XX-13 16:09 | 2025-XX-13 16:13 | 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/XX/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-11/13/2025<br>|  |  |  | HI | Investment | Refinance | No Cash Out - Borrower Initiated | XX | Investor Post-Close | No |
| 755 | XX | XX |  |  | Closed | 2025-XX-15 07:10 | 2025-XX-17 15:59 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-Lender provided e-Consent. Condition cleared. - Due Diligence Vendor-10/XX/2025 <br>Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached audit trail with econsent. - Buyer-10/XX/2025 <br>Open-E-Consent documentation is missing for borrower(s). E-Consent documentation is missing for borrower. - Due Diligence Vendor-10/XX/2025 |  | Resolved-Lender provided e-Consent. Condition cleared. - Due Diligence Vendor-10/17/2025 <br>Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-10/17/2025<br>| XX |  |  | AK | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 755 | XX | XX |  |  | Closed | 2025-XX-16 06:47 | 2025-XX-16 06:47 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Waived-Missing 2 years tax transcripts on Edge loan where asset depletion income/rental income from subject purchase only being used. Lender provided approved exception dated prior to consummation. - Due Diligence Vendor-10/XX/2025 |  | Waived-Missing 2 years tax transcripts on Edge loan where asset depletion income/rental income from subject purchase only being used. Lender provided approved exception dated prior to consummation. - Due Diligence Vendor-10/16/2025<br>|  |  | SLE approved - no minimum/maximum parameters. | AK | Primary Residence | Purchase | NA | XX | Originator Pre-Close | Yes |
| 763 | XX | XX |  |  | Closed | 2025-XX-11 09:04 | 2025-XX-11 09:05 | 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/XX/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>|  |  |  | FL | Primary Residence | Refinance | Cash Out - Other | XX | Investor Post-Close | No |
| 771 | XX | XX |  |  | Closed | 2025-XX-28 08:24 | 2025-XX-28 08:25 | 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/XX/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-10/28/2025<br>|  |  |  | CO | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XX | Investor Post-Close | No |
| 778 | XX | XX |  |  | Closed | 2025-XX-16 08:25 | 2025-XX-04 10:18 | Cured | 2 - Non-Material | Compliance | Rescission:Variance | Federal - Right of Rescission Variance Failure (TILA) | Cured-Lender provided evidence rescission was re-opened. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. RTC docs - Buyer-11/XX/2025 <br>Open- - Due Diligence Vendor-10/XX/2025 <br>Open-The disclosed "Right to Cancel Expire Date" (2025-XX-04) is earlier than the system calculated "Right to Cancel Expire Date" (2025-XX-06). Under Regulation Z, funds may not be disbursed to the borrower until the expiration of the rescission period. (12 CFR 1026.23(c) and Official Staff Commentary) Invalid Finding - Due Diligence Vendor-10/XX/2025 <br>Open- - Due Diligence Vendor-10/XX/2025 <br>Open- - Due Diligence Vendor-10/XX/2025 <br>Open- - Due Diligence Vendor-10/XX/2025 |  | Cured-Lender provided evidence rescission was re-opened. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/04/2025<br>| XX |  |  | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XX | N/A | N/A |
| 778 | XX | XX |  |  | Closed | 2025-XX-16 08:25 | 2025-XX-04 10:18 | Cured | 2 - Non-Material | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Cured-Lender provided evidence rescission was re-opened. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. RTC - Investor-11/XX/2025 <br>Open- - Due Diligence Vendor-10/XX/2025 <br>Open-The loan disbursement date (2025-XX-06) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (2025-XX-06). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) Invalid Finding - Due Diligence Vendor-10/XX/2025 <br>Open- - Due Diligence Vendor-10/XX/2025 <br>Open- - Due Diligence Vendor-10/XX/2025 <br>Open- - Due Diligence Vendor-10/XX/2025 |  | Cured-Lender provided evidence rescission was re-opened. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/04/2025<br>| XX |  |  | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XX | N/A | N/A |
| 793 | XX | XX |  |  | Closed | 2025-XX-03 14:20 | 2025-XX-12 16:35 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Lender provided ICD. Condition cleared. - Due Diligence Vendor-11/XX/2025 <br>Resolved-Resolved - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. icd 100725 - Buyer-11/XX/2025 <br>Open-The Initial Closing Disclosure Received Date of (2025-XX-10) is not three business days before the consummation date of (2025-XX-10). Three business days before the consummation date is (20251007). 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-11/XX/2025 <br>Open- - Due Diligence Vendor-11/XX/2025 <br>Open- - Due Diligence Vendor-11/XX/2025 |  | Resolved-Lender provided ICD. Condition cleared. - Due Diligence Vendor-11/12/2025 <br>Resolved-Resolved - Due Diligence Vendor-11/12/2025<br>| XX |  |  | LA | Primary Residence | Refinance | Cash Out - Other | XX | N/A | N/A |
| 794 | XX | XX |  |  | Closed | 2025-XX-31 15:42 | 2025-XX-13 12:48 | Waived | 2 - Non-Material | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Lender provided approved Exception. This is a DSCR loan; the 1.5 listed in the SLE is in reference to the DSCR not DTI. Finding Waived-EV2 - Due Diligence Vendor-11/XX/2025 <br> Ready for Review-UW Manager response: This is a DSCR loan; the 1.5 listed in the SLE is in reference to the DSCR not DTI. please waive condition. - Buyer-11/XX/2025 <br> Open-Audited Loan Amount of $XX is less than the Guideline Minimum Loan Amount of $100000 Lender provided approved exception; however, comp factors of 1.5 DTI and 85% LTV are not valid due to DTI is not calculated for investor DSCR and 85% LTV is max allowed. - Due Diligence Vendor-10/XX/2025 |  | Waived-Lender provided approved Exception. This is a DSCR loan; the 1.5 listed in the SLE is in reference to the DSCR not DTI. Finding Waived-EV2 - Due Diligence Vendor-11/13/2025<br>|  |  | 787 FICO > 720 min<br> DTI 1.5<br> LTV 85%<br> Minimum reserves $63,000 | MO | Investment | Purchase | NA | XX | Originator Pre-Close | Yes |
| 796 | XX | XX |  |  | Closed | 2025-XX-28 09:32 | 2025-XX-28 09:32 | 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/XX/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-10/28/2025 |  |  |  | FL | Primary Residence | Purchase | NA | XX | Investor Post-Close | No |
| 796 | XX | XX |  |  | Seller | 2025-XX-22 11:22 | 2025-XX-29 18:31 | Open | 2 - Non-Material | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Open-The Homeownership Counseling Organization Disclosure Sent Date (2025-XX-17) is more than 3 business days from the Application Date (2025-XX-02). Three business days from the Application Date is (2025-XX-05). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) Note: Compliance Ease report reflects a disclosure sent 9-5-2025, but this document is not in the loan file. - Due Diligence Vendor-10/XX/2025 <br>Open- - Due Diligence Vendor-10/XX/2025 <br>Open- - Due Diligence Vendor-10/XX/2025 |  |  |  |  |  | FL | Primary Residence | Purchase | NA | XX | N/A | N/A |
| 799 | XX | XX |  |  | Closed | 2025-XX-22 07:26 | 2025-XX-23 09:37 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-Second full appraisal provided. Resolved. - Due Diligence Vendor-10/XX/2025 <br>Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached appraisals, 2nd appraisal was completed. - Buyer-10/XX/2025 <br>Open-A valid secondary valuation supporting the origination appraisal value is not present. Missing Collateral Desktop Analysis (CDA) from XX. - Due Diligence Vendor-10/XX/2025 |  | Resolved-Second full appraisal provided. Resolved. - Due Diligence Vendor-10/23/2025 <br> Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/23/2025 | XX |  |  | CA | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| 804 | XX | XX |  |  | Closed | 2025-XX-12 08:05 | 2025-XX-21 14:17 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Lender provided New York pamphlet "What Mortgage Applicants Need to Know". Condition cleared. - Due Diligence Vendor-11/XX/2025 <br>Resolved-Disclosure provided. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached initial disclosures and acknowledgement of receipt, What Mortgage Applicants Need to Know Pamphlet is included in initial disclosures. - Buyer-11/XX/2025 <br>Open-Missing the New York pamphlet "What Mortgage Applicants Need to Know" which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/XX/2025. Missing "What Mortgage Applicants Need to Know" Pamphlet - Due Diligence Vendor-11/XX/2025 |  | Resolved-Lender provided New York pamphlet "What Mortgage Applicants Need to Know". Condition cleared. - Due Diligence Vendor-11/21/2025 <br> Resolved-Disclosure provided. - Due Diligence Vendor-11/21/2025 | XX |  |  | NY | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| 807 | XX | XX |  |  | Closed | 2025-XX-07 07:32 | 2025-XX-11 12:32 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-11/XX/2025 |  | Waived-Housing History Does Not Meet Guideline Requirements A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-11/07/2025<br>|  |  | Compensatory Factors all met<br> Minimum FICO: 780 <br> Maximum DTI: 50 <br> Maximum LTV: 80 <br> Minimum Reserves: $24,000 | FL | Primary Residence | Purchase | NA | XX | Originator Pre-Close | Yes |
| 808 | XX | XX |  |  | Closed | 2025-XX-11 09:30 | 2025-XX-23 09:20 | Resolved | 1 - Information | Credit | Missing Doc | HO6 Insurance Policy is Missing | Resolved-Policy received. Finding resolved. - Due Diligence Vendor-10/XX/2025 <br>Resolved-XX-6 Insurance Policy is fully present - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. master policy covers walls in and betterments. No Ho6 required. - Buyer-10/XX/2025 <br>Open-Missing HO-6 Insurance Policy - Due Diligence Vendor-10/XX/2025 |  | Resolved-Policy received. Finding resolved. - Due Diligence Vendor-10/23/2025 <br>Resolved-XX-6 Insurance Policy is fully present - Due Diligence Vendor-10/23/2025<br>| XX |  |  | OR | Investment | Purchase | NA | XX | N/A | N/A |
| 809 | XX | XX |  |  | Closed | 2025-XX-22 14:04 | 2025-XX-28 14:10 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose Affidavit received. Finding resolved. - Due Diligence Vendor-10/XX/2025 <br>Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-10/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached business purpose certificate. - Buyer-10/XX/2025 <br>Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-10/XX/2025 |  | Resolved-Business Purpose Affidavit received. Finding resolved. - Due Diligence Vendor-10/28/2025 <br>Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-10/28/2025<br>| XX |  |  | MO | Investment | Refinance | Cash Out - Other | XX | N/A | N/A |
| 814 | XX | XX |  |  | Closed | 2026-XX-16 15:12 | 2026-XX-16 15:16 | Resolved | 1 - Information | Property | Appraisal | The appraiser was not licensed (Primary Value) | Resolved-Primary Value appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are Not Provided - Due Diligence Vendor-01/XX/2026 <br>Open-Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date - Due Diligence Vendor-01/XX/2026 |  | Resolved-Primary Value appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are Not Provided - Due Diligence Vendor-01/16/2026<br>|  |  |  | CA | Investment | Purchase | NA | XX | N/A | N/A |
| 821 | XX | XX |  |  | Closed | 2025-XX-04 09:06 | 2025-XX-09 13:50 | Waived | 2 - Non-Material | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount of $xx is less than the Guideline Minimum Loan Amount of $100000 Lender provided approved exception dated prior to consummation. No compensating factors were listed. - Due Diligence Vendor-11/XX/2025 |  | Waived-Audited Loan Amount of $XX is less than the Guideline Minimum Loan Amount of $100000 Lender provided approved exception dated prior to consummation. No compensating factors were listed. - Due Diligence Vendor-11/04/2025 |  |  | 7.5 yrs on current job<br> 802 credit score exceeds guideline minimum 720<br> 0x30 mtg history reporting on credit for 30 mths | IN | Investment | Purchase | NA | XX | Investor Post-Close | No |
| 824 | XX | XX |  |  | Closed | 2025-XX-23 12:47 | 2025-XX-30 13:49 | Waived | 2 - Non-Material | Credit | Eligibility | Transaction Ineligible | Waived-Borrower is a non-perm resident alien which is not allowed by policy for investment property. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/XX/2025 |  | Waived-Borrower is a non-perm resident alien which is not allowed by policy for investment property. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-10/23/2025<br>|  |  | FICO: 734 <br> Maximum DTI: 1.0 DSCR <br> Maximum LTV: 80 <br> Minimum Reserves: $100,000 | IN | Investment | Purchase | NA | XX | Originator Pre-Close | Yes |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 5**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Marketing ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 5 | XX |  |  | XX | Note Date | notePage | XX | XX | Audit Value Pulled From Note. |
| 7 | XX |  |  | XX | Note Date | notePage | XX | XX | Audit Value Pulled From Note. |
| 85 | XX |  |  | XX | Property Address | notePage | XX | XX | Audit Value Pulled From Note. |
| 136 | XX |  |  | XX | Property Zip Code | notePage | XX | XX | Audit value pulled from documents located in the loan file. |
| 463 | XX |  |  | XX | Note Date | notePage | XX | XX | Audit value pulled from note |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 6**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Marketing ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM 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?** |
| 1 | XX |  |  | XX | 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 | 6.867 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13120.66 | N/A | Employed |  | No |  | No |  |
| 2 | XX |  |  | XX | 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 | 8.582 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16593.06 | N/A | Employed | Employed | No | No | No |  |
| 5 | XX |  |  | XX | 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 | 7.145 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19231.55 | N/A | Employed |  | No |  | No |  |
| 7 | XX |  |  | XX | 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 | 7.409 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 50236.87 | N/A | Employed |  | No |  | No |  |
| 11 | XX |  |  | XX | 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 | 7.616 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 40154.33 | N/A | Employed |  | No |  | No |  |
| 12 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 13 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 14 | XX |  |  | XX | 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 | 6.661 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 33012.34 | N/A | Employed | Employed | No | No | No |  |
| 16 | XX |  |  | XX | 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 | 6.971 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28448.88 | N/A | Employed |  | No |  | No |  |
| 19 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 47513.01 | N/A | Employed | Employed | No | No | Yes | Present |
| 22 | XX |  |  | XX | 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 | 7.614 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19048.98 | N/A | Employed |  | No |  | No |  |
| 24 | XX |  |  | XX | 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 | 7.053 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8009.24 | N/A | Employed |  | No |  | No |  |
| 37 | XX |  |  | XX | 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 | 7.223 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 41692.55 | N/A | Employed |  | No |  | No |  |
| 40 | XX |  |  | XX | 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 | 6.587 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16067.13 | N/A | Employed |  | No |  | No |  |
| 41 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 42 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 22841.91 | N/A | Employed | Employed | No | No | Yes | Present |
| 47 | XX |  |  | XX | 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 | 6.553 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22818.63 | N/A | Retired | Retired | No | No | No |  |
| 55 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 7931.66 | N/A | Employed |  | No |  | Yes | Present |
| 191 | XX |  |  | XX | 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 | 8.217 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11558.91 | N/A | Employed | Employed | No | No | No |  |
| 194 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 239 | XX |  |  | XX | 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 | 6.586 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 39457.17 | N/A | Employed | Employed | No | No | No |  |
| 422 | XX |  |  | XX | 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 | 7.137 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8298 | N/A | Employed | Employed | No | No | No |  |
| 526 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 791 | XX |  |  | XX | 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 | 8.026 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5853.98 | N/A | Employed |  | No |  | No |  |
| 3 | XX |  |  | XX | 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 | 7.247 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 30937.6 | N/A | Employed |  | No |  | No |  |
| 4 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 13588.21 | N/A | Employed | Employed | No | No | Yes | Present |
| 6 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 8 | XX |  |  | XX | 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 | 7.431 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 75104.07 | N/A | Employed |  | No |  | No |  |
| 9 | XX |  |  | XX | 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 | 8.809 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2492.17 | N/A | Employed |  | No |  | No |  |
| 30 | XX |  |  | XX | 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 | 7.411 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10212.91 | Yes | Employed |  | No |  | No |  |
| 33 | XX |  |  | XX | 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 | 8.174 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7307.08 | N/A | Employed |  | No |  | No |  |
| 36 | XX |  |  | XX | 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 | 6.807 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11263.78 | N/A | Employed | Employed | No | No | No |  |
| 38 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 39 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 44 | XX |  |  | XX | 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 | 6.668 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14092.44 | N/A | Employed | Not Employed | No | No | No |  |
| 46 | XX |  |  | XX | 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 | 7.188 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27992.47 | N/A | Employed |  | No |  | No |  |
| 51 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 15415 | N/A | Not Employed | Employed | No | No | Yes | Present |
| 53 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 7.018 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16277.91 | Yes | Employed |  | No |  | No |  |
| 54 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 57 | XX |  |  | XX | 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 | 7.218 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 358330.05 | N/A | Employed |  | No |  | No |  |
| 58 | XX |  |  | XX | 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 | 7.145 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6780.5 | N/A | Employed |  | No |  | No |  |
| 61 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 7.035 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19615.26 | Yes | Employed | Employed | No | No | No |  |
| 63 | XX |  |  | XX | 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 | 6.901 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 127929.77 | N/A | Employed |  | No |  | No |  |
| 65 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 71 | XX |  |  | XX | 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 | 7.349 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7590.46 | N/A | Employed |  | No |  | No |  |
| 75 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 122251.11 | N/A | Employed |  | No |  | Yes | Present |
| 76 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 80 | XX |  |  | XX | 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 | 6.894 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 577826.8 | N/A | Employed |  | No |  | No |  |
| 83 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 85 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 21581.91 | N/A | Employed | Employed | No | No | Yes | Present |
| 88 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 91 | XX |  |  | XX | 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 | 6.93 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21313.22 | N/A | Not Employed | Employed | No | No | No |  |
| 92 | XX |  |  | XX | 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 | 6.907 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2997.34 | N/A | Employed |  | No |  | No |  |
| 94 | XX |  |  | XX | 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 | 8.568 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25257.55 | N/A | Employed |  | No |  | No |  |
| 98 | XX |  |  | XX | 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 | 6.906 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 34872.7 | N/A | Employed |  | No |  | No |  |
| 100 | XX |  |  | XX | 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 | 7.04 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25749 | Yes | Not Employed |  | No |  | No |  |
| 104 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 10084.67 | N/A | Employed |  | No |  | Yes | Present |
| 109 | XX |  |  | XX | 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 | 6.642 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 36577.65 | N/A | Employed | Employed | No | No | No |  |
| 112 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 114 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 116 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 119 | XX |  |  | XX | 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 | 8.653 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 47707.37 | N/A | Employed |  | No |  | No |  |
| 121 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 122 | XX |  |  | XX | 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 | 6.762 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 36378.8 | N/A | Employed | Employed | No | No | No |  |
| 128 | XX |  |  | XX | 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 | 6.814 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14011.01 | Yes | Employed |  | No |  | No |  |
| 129 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 130 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 219632.14 | N/A | Employed |  | No |  | Yes | Present |
| 134 | XX |  |  | XX | 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 | 7.164 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 51475.7 | N/A | Employed | Employed | No | No | No |  |
| 136 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 148 | XX |  |  | XX | 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 | 7.407 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10920.23 | Yes | Employed |  | No |  | No |  |
| 149 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 188207.57 | N/A | Employed |  | No |  | Yes | Present |
| 158 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 10071.2 | N/A | Employed |  | No |  | Yes | Present |
| 162 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 218222.56 | N/A | Employed |  | No |  | Yes | Present |
| 187 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 21753.11 | Yes | Employed | Employed | No | No | Yes | Present |
| 190 | XX |  |  | XX | 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 | 8.74 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8651.15 | N/A | Employed |  | No |  | No |  |
| 193 | XX |  |  | XX | 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 | 6.797 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 180184.92 | N/A | Employed | Retired | No | No | No |  |
| 195 | XX |  |  | XX | 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 | 7.757 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6287.31 | N/A | Employed |  | No |  | No |  |
| 197 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 21015.01 | N/A | Employed |  | No |  | Yes | Present |
| 200 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 7.043 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 34644 | Yes | Employed |  | No |  | No |  |
| 204 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 205 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 7.17 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 59128.63 | N/A | Employed |  | No |  | No |  |
| 206 | XX |  |  | XX | 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 | 7.61 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9038.33 | Yes | Employed | Employed | No | No | No |  |
| 207 | XX |  |  | XX | 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 | 6.335 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17849.41 | N/A | Employed |  | No |  | No |  |
| 211 | XX |  |  | XX | 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 | 6.554 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15514.6 | N/A | Employed | Employed | No | No | No |  |
| 212 | XX |  |  | XX | 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 | 7.027 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4898.58 | Yes | Retired |  | No |  | No |  |
| 213 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 215 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 225 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 226 | XX |  |  | XX | 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 | 7.276 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23314.44 | N/A | Employed |  | No |  | No |  |
| 227 | XX |  |  | XX | 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 | 6.758 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10503.02 | Yes | Employed | Employed | No | No | No |  |
| 230 | XX |  |  | XX | 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 | 6.684 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19275.42 | N/A | Employed |  | No |  | No |  |
| 231 | XX |  |  | XX | 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 | 6.694 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22566.05 | N/A | Employed | Employed | No | No | No |  |
| 232 | XX |  |  | XX | 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 | 6.428 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7311.6 | N/A | Employed |  | No |  | No |  |
| 235 | XX |  |  | XX | 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 | 6.696 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 342221.47 | N/A | Employed |  | No |  | No |  |
| 238 | XX |  |  | XX | 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 | 7.17 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14370.95 | N/A | Employed | Employed | No | No | No |  |
| 241 | XX |  |  | XX | 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 | 6.505 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17745.34 | N/A | Employed |  | No |  | No |  |
| 243 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 150923.05 | N/A | Employed |  | No |  | Yes | N/A |
| 248 | XX |  |  | XX | 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 | 7.945 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14988.16 | N/A | Employed |  | No |  | No |  |
| 250 | XX |  |  | XX | 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 | 7.283 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11241.55 | N/A | Employed |  | No |  | No |  |
| 255 | XX |  |  | XX | 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 | 7.208 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8931.45 | N/A | Employed |  | No |  | No |  |
| 264 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 266 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 272 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 274 | XX |  |  | XX | 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 | 7.736 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10528.99 | N/A | Employed |  | No |  | No |  |
| 278 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 279 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 280 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 285 | XX |  |  | XX | 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 | 6.586 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10070.41 | N/A | Employed |  | No |  | No |  |
| 290 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 294 | XX |  |  | XX | 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 | 6.642 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8348.59 | Yes | Employed | Employed | No | No | No |  |
| 296 | XX |  |  | XX | 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 | 6.903 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6343.59 | N/A | Employed |  | No |  | No |  |
| 299 | XX |  |  | XX | 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 | 6.506 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5630.99 | N/A | Employed | Employed | No | No | No |  |
| 300 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 301 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 304 | XX |  |  | XX | 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 | 6.249 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6379.99 | N/A | Employed |  | No |  | No |  |
| 305 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 308 | XX |  |  | XX | 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 | 6.692 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10579.1 | N/A | Employed | Employed | No | No | No |  |
| 309 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 8.054 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28242.88 | N/A | Employed |  | No |  | No |  |
| 311 | XX |  |  | XX | 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 | 6.648 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17337.8 | Yes | Employed |  | No |  | No |  |
| 314 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 7.593 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15466.62 | Yes | Employed | Employed | No | No | No |  |
| 315 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 317 | XX |  |  | XX | 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 | 7.9 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9724.8 | N/A | Employed | Employed | No | No | No |  |
| 319 | XX |  |  | XX | 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 | 6.907 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13668.34 | N/A | Employed | Employed | No | No | No |  |
| 321 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 4894.54 | N/A | Employed |  | No |  | Yes | Present |
| 323 | XX |  |  | XX | 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 | 7.02 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13042.42 | N/A | Employed | Employed | No | No | No |  |
| 327 | XX |  |  | XX | 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 | 6.272 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4181.14 | Yes | Retired | Retired | No | No | No |  |
| 331 | XX |  |  | XX | 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 | 7.118 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4695.85 | N/A | Employed |  | No |  | No |  |
| 335 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 336 | XX |  |  | XX | 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 | 7.473 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 223380.79 | N/A | Employed |  | No |  | No |  |
| 339 | XX |  |  | XX | 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 | 8.657 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5299.21 | Yes | Employed |  | No |  | No |  |
| 340 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 42192.25 | N/A | Employed |  | No |  | Yes | Present |
| 344 | XX |  |  | XX | 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 | 6.273 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8809.93 | N/A | Employed |  | No |  | No |  |
| 345 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 4554.99 | N/A | Employed |  | No |  | Yes | Present |
| 346 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 354 | XX |  |  | XX | 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 | 6.701 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7029.14 | N/A | Employed |  | No |  | No |  |
| 356 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 357 | XX |  |  | XX | 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 | 6.994 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5779.88 | N/A | Employed |  | No |  | No |  |
| 360 | XX |  |  | XX | 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 | 7.28 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 37161 | N/A | Employed |  | No |  | No |  |
| 363 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 365 | XX |  |  | XX | 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 | 7.24 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 41675.44 | N/A | Employed |  | No |  | No |  |
| 367 | XX |  |  | XX | 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 | 6.777 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12675 | N/A | Employed |  | No |  | No |  |
| 371 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 374 | XX |  |  | XX | 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 | 6.774 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 41886.8 | N/A | Employed |  | No |  | No |  |
| 376 | XX |  |  | XX | 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 | 6.547 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 60790.47 | N/A | Employed |  | No |  | No |  |
| 380 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | Yes | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 15542 | N/A | Employed | Not Employed | No | No | Yes | Present |
| 383 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 9838.56 | Yes | Retired | Retired | No | No | Yes | Present |
| 394 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 8906.93 | N/A | Not Employed |  | No |  | Yes | Present |
| 397 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 6659.25 | Yes | Employed | Not Employed | No | No | Yes | Present |
| 400 | XX |  |  | XX | 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 | 6.039 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11027.72 | N/A | Employed | Employed | No | No | No |  |
| 408 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 409 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 410 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 413 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 21401.89 | N/A | Employed |  | No |  | Yes | Present |
| 415 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 416 | XX |  |  | XX | 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 | 6.379 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 34013.99 | N/A | Retired |  | No |  | No |  |
| 417 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 419 | XX |  |  | XX | 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 | 7.19 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14828.92 | N/A | Employed |  | No |  | No |  |
| 424 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 430 | XX |  |  | XX | 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 | 6.569 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 866841.57 | N/A | Employed |  | No |  | No |  |
| 431 | XX |  |  | XX | 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 | 7.42 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26582.24 | N/A | Employed |  | No |  | No |  |
| 433 | XX |  |  | XX | 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 | 6.651 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20947.17 | N/A | Employed | Retired | No | No | No |  |
| 436 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 439 | XX |  |  | XX | 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 | 7.574 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9733.81 | N/A | Employed |  | No |  | No |  |
| 440 | XX |  |  | XX | 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 | 6.676 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14290.9 | N/A | Employed | Not Employed | No | No | No |  |
| 443 | XX |  |  | XX | 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 | 7.516 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5597.29 | N/A | Employed |  | No |  | No |  |
| 444 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 445 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 446 | XX |  |  | XX | 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 | 6.809 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 45793.59 | N/A | Employed |  | No |  | No |  |
| 448 | XX |  |  | XX | 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 | 9.387 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8621.71 | Yes | Employed | Employed | No | No | No |  |
| 449 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 454 | XX |  |  | XX | 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 | 6.81 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5663.94 | N/A | Employed |  | No |  | No |  |
| 456 | XX |  |  | XX | 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 | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2398.68 | Yes | Retired |  | No |  | No |  |
| 459 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 460 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 461 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 16099.31 | N/A | Employed |  | No |  | Yes | Present |
| 463 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 464 | XX |  |  | XX | 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 | 6.76 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21167.41 | N/A | Employed | Employed | No | No | No |  |
| 468 | XX |  |  | XX | 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 | 6.813 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 45190.68 | N/A | Employed |  | No |  | No |  |
| 469 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 470 | XX |  |  | XX | 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 | 7.283 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4851.19 | N/A | Employed |  | No |  | No |  |
| 472 | XX |  |  | XX | 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 | 6.701 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4238.81 | N/A | Employed |  | No |  | No |  |
| 474 | XX |  |  | XX | 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 | 6.42 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 32482.88 | N/A | Employed |  | No |  | No |  |
| 476 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 27320 | N/A | Employed |  | No |  | Yes | Present |
| 477 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 480 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 481 | XX |  |  | XX | 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 | 7.132 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 79633.27 | N/A | Employed |  | No |  | No |  |
| 482 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 483 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 484 | XX |  |  | XX | 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 | 6.61 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 34784.05 | N/A | Employed |  | No |  | No |  |
| 486 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | Yes | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 66178.29 | N/A | Employed |  | No |  | Yes | Present |
| 487 | XX |  |  | XX | 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 | 6.7 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13532.36 | N/A | Employed | Employed | No | No | No |  |
| 490 | XX |  |  | XX | 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 | 7.238 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21496.14 | Yes | Employed | Employed | No | No | No |  |
| 491 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 492 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 498 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 499 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 501 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 6.523 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 194541.34 | N/A | Employed |  | No |  | No |  |
| 504 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 31243.52 | N/A | Employed |  | No |  | Yes | Present |
| 507 | XX |  |  | XX | 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 | 7.404 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 33970.09 | N/A | Employed | Retired | No | No | No |  |
| 509 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 510 | XX |  |  | XX | 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 | 7.203 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 34916.25 | N/A | Employed |  | No |  | No |  |
| 516 | XX |  |  | XX | 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 | 6.935 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19757.59 | N/A | Employed |  | No |  | No |  |
| 519 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 522 | XX |  |  | XX | 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 | 6.66 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17861.66 | N/A | Employed | Employed | No | No | No |  |
| 524 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 525 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 532 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 535 | XX |  |  | XX | 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 | 7.133 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3406.19 | Yes | Employed |  | No |  | No |  |
| 536 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 537 | XX |  |  | XX | 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 | 7.347 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14532.53 | N/A | Employed | Retired | No | No | No |  |
| 541 | XX |  |  | XX | 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 | 7.523 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7438 | N/A | Employed |  | No |  | No |  |
| 542 | XX |  |  | XX | 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 | 24707.37 | N/A | Employed |  | No |  | No |  |
| 544 | XX |  |  | XX | 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 | 6.178 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19799.66 | Yes | Employed | Employed | No | No | No |  |
| 549 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 550 | XX |  |  | XX | 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 | 6.509 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18356.65 | Yes | Employed | Employed | No | No | No |  |
| 551 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 552 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 554 | XX |  |  | XX | 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 | 7.147 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7885.28 | N/A | Employed |  | No |  | No |  |
| 558 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 560 | XX |  |  | XX | 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 | 6.974 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7326.16 | N/A | Employed |  | No |  | No |  |
| 566 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 567 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 568 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 569 | XX |  |  | XX | 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 | 6.772 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5737.33 | Yes | Retired |  | No |  | No |  |
| 571 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 575 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 577 | XX |  |  | XX | 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 | 6.276 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 32579.66 | N/A | Employed |  | No |  | No |  |
| 581 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 586 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 594 | XX |  |  | XX | 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 | 6.535 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 1547.72 | N/A | Not Employed |  | No |  | No |  |
| 595 | XX |  |  | XX | 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 | 7.79 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7904.22 | N/A | Employed |  | No |  | No |  |
| 596 | XX |  |  | XX | 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 | 7.71 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6635.44 | N/A | Employed | Employed | No | No | No |  |
| 598 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 599 | XX |  |  | XX | 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 | 6.579 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11904.48 | Yes | Employed |  | No |  | No |  |
| 602 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 27125.81 | N/A | Employed |  | No |  | Yes | Present |
| 603 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 605 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 608 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 611 | XX |  |  | XX | 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 | 8.741 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4893.24 | N/A | Employed |  | No |  | No |  |
| 614 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 616 | XX |  |  | XX | 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 | 7.111 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3191.61 | N/A | Employed |  | No |  | No |  |
| 617 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 13379.1 | N/A | Employed |  | No |  | Yes | Present |
| 618 | XX |  |  | XX | 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 | 7.748 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12320.62 | N/A | Employed |  | No |  | No |  |
| 619 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 6.662 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7626.47 | Yes | Employed | Employed | No | No | No |  |
| 620 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 622 | XX |  |  | XX | 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 | 6.849 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13512.29 | N/A | Employed |  | No |  | No |  |
| 630 | XX |  |  | XX | 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 | 6.973 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | Yes | 22506.36 | Yes | Employed |  | No |  | No |  |
| 631 | XX |  |  | XX | 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 | 6.405 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13506.33 | N/A | Employed |  | No |  | No |  |
| 636 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 640 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 641 | XX |  |  | XX | 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 | 7.75 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9812.58 | N/A | Employed | Retired | No | No | No |  |
| 642 | XX |  |  | XX | 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 | 6.889 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 151724.79 | N/A | Employed |  | No |  | No |  |
| 643 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 646 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 72136.47 | N/A | Employed |  | No |  | Yes | Present |
| 655 | XX |  |  | XX | 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 | 7.121 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20161.7 | N/A | Employed | Employed | No | No | No |  |
| 656 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 658 | XX |  |  | XX | 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 | 6.956 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7617.44 | Yes | Employed |  | No |  | No |  |
| 661 | XX |  |  | XX | 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 | 6.68 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14158.01 | N/A | Employed | Not Employed | No | No | No |  |
| 663 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 7665.73 | Yes | Employed |  | No |  | Yes | Present |
| 669 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 671 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 672 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 673 | XX |  |  | XX | 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 | 6.92 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 236575.72 | N/A | Employed |  | No |  | No |  |
| 675 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 677 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 679 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 690 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 9601.87 | N/A | Employed | Employed | No | No | Yes | Present |
| 691 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 693 | XX |  |  | XX | 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 | 7.083 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7576.25 | Yes | Employed |  | No |  | No |  |
| 701 | XX |  |  | XX | 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 | 27366.82 | N/A | Employed | Employed | No | No | No |  |
| 703 | XX |  |  | XX | 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 | 7.297 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3146.54 | Yes | Employed |  | No |  | No |  |
| 704 | XX |  |  | XX | 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 | 6.512 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 59351.97 | N/A | Employed | Employed | No | No | No |  |
| 711 | XX |  |  | XX | 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 | 7.21 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3470.42 | N/A | Retired | Retired | No | No | No |  |
| 722 | XX |  |  | XX | 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 | 7.05 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10256.43 | N/A | Employed |  | No |  | No |  |
| 723 | XX |  |  | XX | 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 | 7.207 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5282.36 | Yes | Employed |  | No |  | No |  |
| 726 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 728 | XX |  |  | XX | 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 | 7.242 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13030.88 | N/A | Employed | Retired | No | No | No |  |
| 732 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 734 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 737 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 742 | XX |  |  | XX | 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 | 7.429 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7243.96 | Yes | Employed |  | No |  | No |  |
| 743 | XX |  |  | XX | 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 | 6.92 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23307.64 | N/A | Employed |  | No |  | No |  |
| 746 | XX |  |  | XX | 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 | 6.576 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 49237.29 | N/A | Employed |  | No |  | No |  |
| 747 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 6.599 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16675.87 | Yes | Retired | Employed | No | No | No |  |
| 748 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 750 | XX |  |  | XX | 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 | 7.26 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11448.8 | N/A | Employed |  | No |  | No |  |
| 753 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 29088.41 | N/A | Employed | Employed | No | No | Yes | Present |
| 754 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 27200.67 | N/A | Employed | Employed | No | No | Yes | Present |
| 755 | XX |  |  | XX | 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 | 7.497 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4309.44 | N/A | Not Employed |  | No |  | No |  |
| 763 | XX |  |  | XX | 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 | 7.067 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5186.58 | N/A | Employed |  | No |  | No |  |
| 764 | XX |  |  | XX | 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 | 7.39 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22250.77 | N/A | Employed |  | No |  | No |  |
| 767 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 768 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 769 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 6.558 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15263.96 | N/A | Employed |  | No |  | No |  |
| 770 | XX |  |  | XX | 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 | 7.035 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5283.85 | N/A | Employed |  | No |  | No |  |
| 771 | XX |  |  | XX | 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 | 6.653 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 35489.68 | N/A | Employed |  | No |  | No |  |
| 773 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 776 | XX |  |  | XX | 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 | 6.714 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3482.12 | Yes | Employed |  | No |  | No |  |
| 777 | XX |  |  | XX | 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 | 6.787 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6304.57 | N/A | Employed | Employed | No | No | No |  |
| 778 | XX |  |  | XX | 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 | 7.908 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 32137.1 | N/A | Employed |  | No |  | No |  |
| 779 | XX |  |  | XX | 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 | 7.37 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 227555 | N/A | Employed |  | No |  | No |  |
| 780 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 781 | XX |  |  | XX | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Yes |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.329 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25540.2 | Yes | Employed |  | No |  | No |  |
| 784 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| Removed from deal | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 786 | XX |  |  | XX | 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 | 7.184 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 31065.4 | N/A | Employed |  | No |  | No |  |
| 787 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 789 | XX |  |  | XX | 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 | 6.249 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7194.44 | N/A | Employed |  | No |  | No |  |
| 792 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 6.829 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 170972.91 | N/A | Retired |  | No |  | No |  |
| 793 | XX |  |  | XX | 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 | 7.088 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4507.71 | N/A | Employed |  | No |  | No |  |
| 794 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 796 | XX |  |  | XX | 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 | 6.64 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 30200.29 | N/A | Employed |  | No |  | No |  |
| 799 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 6.763 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15530.92 | N/A | Employed |  | No |  | No |  |
| 801 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 8689.5 | Yes | Employed | Employed | No | No | Yes | Present |
| 803 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 16150.8 | N/A | Employed |  | No |  | Yes | Present |
| 804 | XX |  |  | XX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 7.249 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 39832 | N/A | Employed | Employed | No | No | No |  |
| 805 | XX |  |  | XX | 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 | 7.483 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14977.17 | N/A | Employed | Employed | No | No | No |  |
| 807 | XX |  |  | XX | 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 | 7.124 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6619.69 | N/A | Employed |  | No |  | No |  |
| 808 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 809 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 810 | XX |  |  | XX | 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 | 6.702 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12427.86 | Yes | Employed | Employed | No | No | No |  |
| 811 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 812 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 814 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 817 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 818 | XX |  |  | XX | 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 | 6.771 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12862.82 | N/A | Employed |  | No |  | No |  |
| 819 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 820 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 821 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 3032.93 | Yes | Employed |  | No |  | Yes | Present |
| 824 | XX |  |  | XX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |

---

## Exhibit 99.5

**Exhibit 99.5**

![](ex99-5_002.jpg)

![](ex99-5_001.jpg)

**January 20, 2026<br> Due Diligence Narrative Report**

![](ex99-5_002.jpg)

**Table of Contents**

---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **3** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Review scope | 3 |
| &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;Credit Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulatory Compliance Review | 5 |
| *Data Integrity* | *7* |
| *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** | **13** |
| **Appendix C: Regulatory Compliance Review Scope** | **16** |

---

 ****

NRMLT 2026-NQM2 Due Diligence Narrative Report Page \| 1 January 20, 2026

 ****

 ****

**Clayton Contact Information**

Client Service Management:

---

| | | |
|:---|:---|:---|
| ![](ex99-5_003.jpg) | **Michael Santarsiere** | Client Service Director |
|  |  | Phone: (813) 371-0280/E-mail: <u>msantarsiere@clayton.com</u> |
| ![](ex99-5_003.jpg) | **Joe Ozment** | Vice President – Client Services & Securitization |
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

**Overview**

On behalf of NewRez LLC, Clayton Services LLC ("Clayton") conducted an independent third-party pre-securitization due diligence review of 32 residential loans. Rithm Capital Corp. subsequently selected these loans for the NRMLT 2026-NQM2 transaction.

The loans referenced in this narrative report were reviewed on a flow loan basis from September 2025 to October 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** | **Loan Count** | **Percentage** |
| &nbsp;&nbsp;Broker | 15 | 46.875% |
| &nbsp;&nbsp;Correspondent Flow with delegated underwriting | 17 | 53.125% |
| &nbsp;&nbsp;**Total** | **32** | **100.00%** |

---

NRMLT 2026-NQM2 Due Diligence Narrative Report Page \| 2 January 20, 2026

![](ex99-5_002.jpg)

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

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

---

| | |
|:---|:---|
| &nbsp;&nbsp; Review scope | &nbsp;&nbsp; # of Files Reviewed |
| &nbsp;&nbsp;Credit Review | &nbsp;&nbsp;32 |
| &nbsp;&nbsp;Property Valuation Review | &nbsp;&nbsp;32 |
| &nbsp;&nbsp;Regulatory Compliance Review | &nbsp;&nbsp;32 |
| &nbsp;&nbsp;Data Integrity Check | &nbsp;&nbsp;32 |

---

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.

![](ex99-5_004.jpg)

NRMLT 2026-NQM2 Due Diligence Narrative Report Page \| 3 January 20, 2026

![](ex99-5_002.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 32 loans on this transaction included the following elements (for more detail, please refer to <u>Appendix A</u>):

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

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

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

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

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

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

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

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

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

Property Valuation Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Original Appraisal Assessment (32 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 (32 loans)

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 1004

For further detail please refer to the NRMLT 2026-NQM2 Valuations Summary Report

Additional valuation product was not required when CU score provided was below 2.5. In the event the CU score was equal to or greater than 2.5, additional valuation product was obtained to confirm value was supported. In some cases additional products were ordered on loans with an acceptable CU score based on guidance from the seller.

NRMLT 2026-NQM2 Due Diligence Narrative Report Page \| 4 January 20, 2026

![](ex99-5_002.jpg)

Regulatory Compliance Review

Clayton's regulatory compliance scope of review conducted on 32 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.

NRMLT 2026-NQM2 Due Diligence Narrative Report Page \| 5 January 20, 2026

![](ex99-5_002.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 Rithm Capital Corp.

<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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Cook County High Cost Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Chicago High Cost Ordinance

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

Anti-predatory lending laws

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

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

Prepayment Penalties and Late Charges in certain states

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

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

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

NRMLT 2026-NQM2 Due Diligence Narrative Report Page \| 6 January 20, 2026

![](ex99-5_002.jpg)

Data Integrity

Clayton utilized its proprietary eCLAS tool to determine tape-to-file accuracy of 32 reviewed loans, by completing the following steps:

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

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

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

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

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

Data Capture

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

**data Compare Results**

Clayton provided Rithm Capital Corp. with a copy of the Loan Level Tape Compare Upload which showed the differences between the data received from the sellers versus the data captured by Clayton during the loan review in relation to the 32 loans reviewed.

---

| | | |
|:---|:---|:---|
| **Field Name** | **# of Loans** | **% Accuracy** |
| &nbsp;&nbsp;Combined LTV | 1 | 96.88% |
| &nbsp;&nbsp;Debt to Income Ratio (Back) | 3 | 90.63% |
| &nbsp;&nbsp;Documentation Type | 5 | 84.38% |
| &nbsp;&nbsp;Original Appraised Value | 2 | 93.75% |
| &nbsp;&nbsp;Original LTV | 1 | 96.88% |
| &nbsp;&nbsp;Origination Date | 3 | 90.63% |
| &nbsp;&nbsp;Property Type | 5 | 84.38% |
| &nbsp;&nbsp;Seller Loan Number | 1 | 96.88% |

---

NRMLT 2026-NQM2 Due Diligence Narrative Report Page \| 7 January 20, 2026

![](ex99-5_002.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>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Overall Grade Migration** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Overall Grade Migration** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Overall Grade Migration** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Overall Grade Migration** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Overall Grade Migration** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Overall Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 18 |  | 9 | 5 | **32** |
| **Final** | **B** |  |  |  |  | **0** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **18** | **0** | **9** | **5** | **32** |

---

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>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Credit Grade Migration** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Credit Grade Migration** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Credit Grade Migration** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Credit Grade Migration** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Credit Grade Migration** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Credit Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 19 |  | 11 | 2 | **32** |
| **Final** | **B** |  |  |  |  | **0** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **19** | **0** | **11** | **2** | **32** |

---

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Property Valuation Grade Migration** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Property Valuation Grade Migration** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Property Valuation Grade Migration** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Property Valuation Grade Migration** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Property Valuation Grade Migration** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Property Valuation Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 30 |  |  | 2 | **32** |
| **Final** | **B** |  |  |  |  | **0** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **30** | **0** | **0** | **2** | **32** |

---

NRMLT 2026-NQM2 Due Diligence Narrative Report Page \| 8 January 20, 2026

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Compliance Grade Migration** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Compliance Grade Migration** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Compliance Grade Migration** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Compliance Grade Migration** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Compliance Grade Migration** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Compliance Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 30 |  | 1 | 1 | **32** |
| **Final** | **B** |  |  |  |  | **0** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **30** | **0** | **1** | **1** | **32** |

---

**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

NRMLT 2026-NQM2 Due Diligence Narrative Report Page \| 9 January 20, 2026

![](ex99-5_002.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:

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

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

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

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

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

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

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

- Citizenship status

- Non- occupant co-borrower

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

Maximum loan amount

- Loan purpose

- Occupancy

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Uniform Residential Loan Application reviewed to determine:

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Employment analyzed and verified through use of various documents, including:

- Income documentation

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

- CPA letter

- Business licenses

- Tax transcripts (IRS Form 4506-T)

- Other documentation in loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Income review included:

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

- Documents did not appear to have been altered or inconsistent

- IRS Form 4506-T

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

&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;▪ Paystubs

&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;▪ 1099

NRMLT 2026-NQM2 Due Diligence Narrative Report Page \| 10 January 20, 2026

![](ex99-5_002.jpg)

&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;▪ Bank statements

&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;▪ Award letters

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

&nbsp;&nbsp;&nbsp;&nbsp;o Asset review included:

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

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

&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;▪ 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;▪ Gift funds

&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;▪ 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;▪ Other documentation in loan file

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

&nbsp;&nbsp;&nbsp;&nbsp;o Credit Report review included:

- Complete copy of report was in loan file

- Report was dated within required timeframe

- All borrowers were included in the report

- Checked any fraud alerts against related loan file documentation

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

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

- Captured and utilized appropriate credit score for guideline review

&nbsp;&nbsp;&nbsp;&nbsp;o Title policy review included:

- Title interest – determined if

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

&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

&nbsp;&nbsp;&nbsp;&nbsp;o HUD1 (Settlement Statement) review included:

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

- Seller contributions did not exceed maximum allowed

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

- Disbursements and pay-offs included in debt ratio calculations

- Loan purpose confirmed

&nbsp;&nbsp;&nbsp;&nbsp;o Hazard/Flood insurance review included:

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

- Confirmed that any required insurance was for the:

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

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

NRMLT 2026-NQM2 Due Diligence Narrative Report Page \| 11 January 20, 2026

![](ex99-5_002.jpg)

&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;▪ Correct loan number

&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

&nbsp;&nbsp;&nbsp;&nbsp;o Mortgage Insurance review included:

- Determined if mortgage insurance is required

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;o Borrower identity

- Social Security inconsistencies

- Borrower name variations

&nbsp;&nbsp;&nbsp;&nbsp;o Occupancy

- Borrower address history

- Subject property ownership history

&nbsp;&nbsp;&nbsp;&nbsp;o Employment

&nbsp;&nbsp;&nbsp;&nbsp;o Licensing – reviewed NMLS data for:

- Mortgage lender/originator

- Loan officer

&nbsp;&nbsp;&nbsp;&nbsp;o OFAC

E. Performed a DSCR review following the origination guidelines to arrive at a monthly property expense. This number is used as the denominator
to the monthly lease or estimated lease income. Clayton reviewed the applicable documentation and data to arrive at this ratio, including:

&nbsp;&nbsp;&nbsp;&nbsp;o Principal and interest payment

&nbsp;&nbsp;&nbsp;&nbsp;o Property taxes

&nbsp;&nbsp;&nbsp;&nbsp;o Insurance

&nbsp;&nbsp;&nbsp;&nbsp;o HOA payments

NRMLT 2026-NQM2 Due Diligence Narrative Report Page \| 12 January 20, 2026

![](ex99-5_002.jpg)

**Appendix B: Origination Appraisal Assessment**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;o Appraisal report used standard GSE forms, appropriate to the property type:

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;o Appraisal report was reasonably complete and included:

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

- Accurate identification of the subject property

- Accurate identification of the subject loan transaction

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

- All required attachments including:

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

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

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

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

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

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

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

- Appraisal date met supplied Sponsor Acquisition Criteria

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

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

&nbsp;&nbsp;&nbsp;&nbsp;o Title XI of FIRREA:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;o USPAP

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

NRMLT 2026-NQM2 Due Diligence Narrative Report Page \| 13 January 20, 2026

![](ex99-5_002.jpg)

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

&nbsp;&nbsp;&nbsp;&nbsp;o Appraised value was reasonably supported. Utilized the following review in making value supported determination:

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

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

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

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

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

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

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

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

- Property usage was reviewed for zoning compliance

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

- Neighborhood values were reviewed to determine if declining

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

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

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

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

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

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

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

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

- Style of property was reviewed to determine if unique property

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

- Locational and/or environmental concerns adequately addressed if present

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

&nbsp;&nbsp;&nbsp;&nbsp;o 3 to 4 unit owner occupied properties

&nbsp;&nbsp;&nbsp;&nbsp;o 2 to 4 unit second homes

&nbsp;&nbsp;&nbsp;&nbsp;o Unwarrantable or limited review condominiums

&nbsp;&nbsp;&nbsp;&nbsp;o Manufactured or mobile homes

&nbsp;&nbsp;&nbsp;&nbsp;o Condotel units

&nbsp;&nbsp;&nbsp;&nbsp;o Unique properties

&nbsp;&nbsp;&nbsp;&nbsp;o Working farms, ranches or orchards

&nbsp;&nbsp;&nbsp;&nbsp;o Mixed-use properties

&nbsp;&nbsp;&nbsp;&nbsp;o Properties subject to existing oil or gas leases

&nbsp;&nbsp;&nbsp;&nbsp;o Properties located in Hawaii Lava Zones 1 and 2

&nbsp;&nbsp;&nbsp;&nbsp;o Properties exceeding Sponsor Acquisition Criteria requirements for excess acreage

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

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

NRMLT 2026-NQM2 Due Diligence Narrative Report Page \| 14 January 20, 2026

![](ex99-5_002.jpg)

F. Disclaimer

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;o Clayton does not check to see if the appraiser is on the Freddie Mac exclusionary list

NRMLT 2026-NQM2 Due Diligence Narrative Report Page \| 15 January 20, 2026

![](ex99-5_002.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:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Initial Good Faith Estimate, (GFE): timing and content of the initial disclosure

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Final HUD1 Settlement Statement: verify the loan file contains the final HUD1 and the loan terms on the HUD1 correspond to the actual
loan terms from the Note

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o High Cost mortgage thresholds for points and fees (Section 32)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o High Cost Prohibited Acts and Practices upon request (Section 33)

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

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

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

NRMLT 2026-NQM2 Due Diligence Narrative Report Page \| 16 January 20, 2026

![](ex99-5_002.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o 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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Pre-application forms cannot look similar to the LE

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Timing Requirements:

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Fee Tolerances:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Zero and ten percent tolerance fees are only reset with a valid and timely change of circumstance.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Payment Schedule Accuracy:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest-only periods and final balloon payments are accurately completed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The total of the principal and interest payment, mortgage insurance and escrow amounts add up correctly.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· When applicable, that the AIR and AP tables are consistent with Clayton's calculations.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Amount Financed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Finance Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Total of Payments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Total interest percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Technical Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance with the TRID rounding rules.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance with specified formatting requirements.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Alphabetization of fees.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Title fees preceded by "Title –."

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Once a fee is disclosed it must remain substantially the same name across disclosures.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Escrow amounts disclosed in the Projected Payments section tie out to the escrow amounts detailed in the Loan Disclosures section.

NRMLT 2026-NQM2 Due Diligence Narrative Report Page \| 17 January 20, 2026

![](ex99-5_002.jpg)

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· That there is either a signature or a Loan Acceptance statement on the form.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Waivers

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether the product or a product feature changed which requires a new waiting period and whether that waiting period was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether a prepayment penalty was added requiring a new waiting period and whether that waiting period was provided.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Corrected CD's provided with a post-close refund.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Post-close CD's to correct non-numerical clerical errors required within 60 days of consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Related Documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Provision and timing of Your Home Loan Toolkit (first lien, purchase-money loans)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Affiliated Business Disclosure (can impact fee tolerances)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether the Liability after Foreclosure selection is correct for the property state.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy of the Aggregate Adjustment amount.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Presence and accuracy of the Seller's Transaction columns of the Summaries of Transactions section.

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

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

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

NRMLT 2026-NQM2 Due Diligence Narrative Report Page \| 18 January 20, 2026

**<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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Minnesota (Mortgage Originator and Service Licensing Act)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Puerto Rico (Office Regulation 5722)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Texas (Texas Finance Code)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· West Virginia (Residential Mortgage Lender, Broker and Servicer Act).

NRMLT 2026-NQM2 Due Diligence Narrative Report Page \| 19 January 20, 2026

![](ex99-5_002.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.

NRMLT 2026-NQM2 Due Diligence Narrative Report Page \| 20 January 20, 2026

![](ex99-5_002.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.© 2026 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

NRMLT 2026-NQM2 Due Diligence Narrative Report Page \| 21 January 20, 2026

## Exhibit 99.5

**Exhibit 99.5 Schedule 1**

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Valuations Summary** |  |  |  |  |  |  |  |  |  |  |  |  |
| *Loans In Report:* | *32* | **Origination Values** | **Automated Valuation Model** | **Desk Review** | **Second Desk Review** | **Field Review** | **Second Field Review** | **1004 SFR** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **Other** | **AUS Information** |
| *Loans In Report:* |  | **Origination Values** | **Automated Valuation Model** | **Desk Review** | **Second Desk Review** | **Field Review** | **Second Field Review** | **1004 SFR** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **Other** | **AUS Information** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan Number** | **NRZ ID** | **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** | **Value** | **Variance Amount** | **Variance (%)** | **AVM FSD** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Value** | **Variance Amount** | **Variance (%)** | **Value** | **Variance Amount** | **Variance (%)** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Value** | **Variance Amount** | **Variance (%)** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date - Other** | **Value - Other** | **Variance Amount - Other** | **Variance (%) - Other** | **CU / LCA Score** | **Unique Id** |
| 64 | XX | XX | XX | XX | $0.00 | XX | 08/XX/2025 | XX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XX |
| 70 | XX | XX | XX | XX | XX | XX | 08/XX/2025 | XX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XX |
| 73 | XX | XX | XX | XX | XX | XX | 08/XX/2025 | XX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XX |
| 81 | XX | XX | XX | XX | $0.00 | XX | 09/XX/2025 | XX | 1004 SFR (Mar 05) |  |  | 09/XX/2025 | XX | XX | 3.92% | Full Appraisal | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | 9/XX/2025 | XX | XX | 3.92% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | XX |
| 90 | XX | XX | XX | XX | $0.00 | XX | 08/XX/2025 | XX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XX |
| 95 | XX | XX | XX | XX | XX | XX | 08/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XX |
| 110 | XX | XX | XX | XX | XX | XX | 09/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XX |
| 113 | XX | XX | XX | XX | XX | XX | 09/XX/2025 | XX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | 10/XX/2025 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XX |
| 115 | XX | XX | XX | XX | XX | XX | 08/XX/2025 | XX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XX |
| 123 | XX | XX | XX | XX | XX | XX | 09/XX/2025 | XX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | 10/XX/2025 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XX |
| 137 | XX | XX | XX | XX | XX | XX | 08/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XX |
| 139 | XX | XX | XX | XX | XX | XX | 09/XX/2025 | XX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XX |
| 142 | XX | XX | XX | XX | XX | XX | 07/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | 9/XX/2025 | XX | XX | 2.63% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XX |
| 143 | XX | XX | XX | XX | XX | XX | 10/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | 10/XX/2025 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XX |
| 144 | XX | XX | XX | XX | XX | XX | 09/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | 9/XX/2025 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XX |
| 145 | XX | XX | XX | XX | $0.00 | XX | 09/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XX |
| 147 | XX | XX | XX | XX | XX | XX | 09/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | 10/XX/2025 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XX |
| 151 | XX | XX | XX | XX | XX | XX | 09/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | 10/XX/2025 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XX |
| 153 | XX | XX | XX | XX | $0.00 | XX | 10/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | 10/XX/2025 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XX |
| 154 | XX | XX | XX | XX | $0.00 | XX | 09/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XX |
| 155 | XX | XX | XX | XX | XX | XX | 09/XX/2025 | XX | 1004 SFR (Mar 05) |  |  | 09/XX/2025 | XX | XX | 1.50% | Full Appraisal | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XX |
| 161 | XX | XX | XX | XX | XX | XX | 08/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | 10/XX/2025 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XX |
| 163 | XX | XX | XX | XX | XX | XX | 09/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | 10/XX/2025 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XX |
| 164 | XX | XX | XX | XX | XX | XX | 09/XX/2025 | XX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XX |
| 166 | XX | XX | XX | XX | $0.00 | XX | 10/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | 10/XX/2025 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XX |
| 167 | XX | XX | XX | XX | $0.00 | XX | 09/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 | XX |
| 168 | XX | XX | XX | XX | XX | XX | 09/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | 10/XX/2025 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XX |
| 170 | XX | XX | XX | XX | XX | XX | 09/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | 9/XX/2025 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XX |
| 171 | XX | XX | XX | XX | XX | XX | 10/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | 10/XX/2025 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XX |
| 172 | XX | XX | XX | XX | XX | XX | 10/XX/2025 | XX | 1004 SFR (Mar 05) |  |  | 10/XX/2025 | XX | XX | 4.58% | Full Appraisal | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XX |
| 174 | XX | XX | XX | XX | $0.00 | XX | 09/XX/2025 | XX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | 10/XX/2025 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XX |
| 176 | XX | XX | XX | XX | XX | XX | 10/XX/2025 | XX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | 10/XX/2025 | XX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | XX |

---

*The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com*

## Exhibit 99.5

**Exhibit 99.5 Schedule 2**

**ATR QM Upload**

<br> *Loans in Report:* *32*

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 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 |
| Marketing ID | **Loan Number** | **NRZ ID** | **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** | **Unique Id** |
| 64 | XX | XX | XX | XX | XX | IL | QM: Safe Harbor (APOR) | No | Present | Non-QM: Lender documented all ATR UW factors | XX | U.S. Citizen | (No Data) | (No Data) | Primary | 2 Family | 2 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.4536 | Yes | Yes | 0.273 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.37 | 33.59 | 39.37 | 33.59 | 33.59 | 33.59 | No | No | (No Data) | 13014.85 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 70 | XX | XX | XX | XX | XX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.6954 | Yes | No | 2.006 | (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 | 33.88 | 0 | 33.88 | 33.88 | 33.88 | (No Data) | (No Data) | (No Data) | 19549.3 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 73 | XX | XX | XX | XX | XX | MI | QM: Safe Harbor (APOR) | No | Present | Non-QM: Lender documented all ATR UW factors | XX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.1861 | Yes | Yes | 1.696 | 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 | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 10.9 | 10.9 | 10.9 | 10.9 | 10.9 | 10.9 | No | No | (No Data) | 13550 | 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 | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | Other | (No Data) | (No Data) | (No Data) | XX |
| 81 | XX | XX | XX | XX | XX | CA | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | (No Data) | (No Data) | Primary | Site Condo | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6939 | Yes | Yes | 0.631 | 0.631 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 4.94 | 4.79 | 4.94 | 4.79 | 4.79 | 4.79 | No | No | (No Data) | 1025986.39 | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 90 | XX | XX | XX | XX | XX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0364 | Yes | No | 1.277 | (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 | 39.08 | 0 | 39.08 | 39.08 | 39.71 | (No Data) | (No Data) | (No Data) | 42305.15 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | 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 | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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 - 36 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 95 | XX | XX | XX | XX | XX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.5177 | Yes | No | 0.081 | (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 | 41.14 | 0 | 41.14 | 41.14 | 41.14 | (No Data) | (No Data) | (No Data) | 37088.49 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 110 | XX | XX | XX | XX | XX | CA | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5399 | Yes | Yes | 0.162 | 0.162 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.62 | 37.38 | 35.62 | 37.38 | 37.38 | 37.38 | No | No | (No Data) | 17312.68 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 113 | XX | XX | XX | XX | XX | SC | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.1009 | No | No | 1.607 | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 49.11 | 0 | 49.11 | 49.11 | 49.11 | (No Data) | (No Data) | (No Data) | 6686.08 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 24 | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | 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) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 115 | XX | XX | XX | XX | XX | SC | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | 1 | 7.7691 | Yes | No | 2.04 | (No Data) | No | Yes | 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 | 41.95 | 0 | 41.95 | 41.95 | 41.95 | (No Data) | (No Data) | (No Data) | 13339.9 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 123 | XX | XX | XX | XX | XX | IL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.5004 | Yes | No | 2.059 | (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 | 37.92 | 0 | 37.92 | 37.92 | 37.92 | (No Data) | (No Data) | (No Data) | 9427.72 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 137 | XX | XX | XX | XX | XX | GA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.1349 | No | No | 5.673 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8322.24 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2500.00 | No | (No Data) | 1.0407 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 139 | XX | XX | XX | XX | XX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7781 | Yes | No | 0.528 | (No Data) | Yes | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 29.27 | 0 | 29.27 | 29.27 | 29.27 | (No Data) | (No Data) | (No Data) | 38940.28 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Offer Letter - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 142 | XX | XX | XX | XX | XX | NJ | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 9.3058 | Yes | Yes | 0.426 | 0.426 | (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 | 23.57 | 23.57 | 23.57 | 23.57 | 23.57 | 23.57 | No | No | (No Data) | 58338.59 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 143 | XX | XX | XX | XX | XX | VA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.6592 | Yes | No | 1.459 | (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 | 20.8 | 0 | 20.8 | 20.8 | 20.8 | (No Data) | (No Data) | (No Data) | 6884.63 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 144 | XX | XX | XX | XX | XX | CA | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5681 | Yes | Yes | 0.606 | 0.606 | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.05 | 37.39 | 39.05 | 37.39 | 37.39 | 37.39 | No | No | (No Data) | 17054.7 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | FMNA 1005 | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Borrower | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> CPA Letter - 1 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 145 | XX | XX | XX | XX | XX | GA | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7226 | No | No | 0.698 | 0.223 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.51 | 43.14 | 44.51 | 43.14 | 43.14 | 43.14 | No | No | (No Data) | 15785.82 | 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 | 48 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 48 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 147 | XX | XX | XX | XX | XX | CA | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6246 | Yes | Yes | 0.137 | 0.137 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.72 | 34.85 | 36.72 | 34.85 | 34.85 | 34.85 | No | No | (No Data) | 16388.1 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | Yes | 1 | Yes | 1 | Yes | 1 | Yes | 24 | Yes | 24 | Yes | 24 | Yes | 12 | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | Yes | FMNA 1005 | 24 | Yes | FMNA 1005 | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (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) | Yes | 24 | No | (No Data) | Yes | 12 | No | (No Data) | Yes | 12 | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> W2 - 12 months | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 151 | XX | XX | XX | XX | XX | IL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.1864 | No | No | 3.6 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3184.92 | 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 | 2200.00 | No | (No Data) | 1.2670 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 153 | XX | XX | XX | XX | XX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.4320 | Yes | No | 0.445 | (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 | 33.69 | 0 | 33.69 | 33.69 | 33.69 | (No Data) | (No Data) | (No Data) | 10260.25 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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 - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 154 | XX | XX | XX | XX | XX | TX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.0083 | No | No | 4.633 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7540.81 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 2100.00 | 1.1060 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 155 | XX | XX | XX | XX | XX | CA | QM: Safe Harbor (APOR) | No | Present | Non-QM: Lender documented all ATR UW factors | XX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8713 | Yes | Yes | 1.159 | 1.159 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 18.52 | 16.54 | 18.52 | 16.54 | 16.54 | 16.54 | No | No | (No Data) | 192445.97 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | 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 | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Business Bank Statements - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 161 | XX | XX | XX | XX | XX | CT | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.5285 | Yes | Yes | 1.142 | 1.142 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.98 | 27.45 | 29.98 | 27.45 | 27.45 | 27.45 | No | No | (No Data) | 14646.66 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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 | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 163 | XX | XX | XX | XX | XX | CA | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | (No Data) | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0701 | No | No | 0.565 | 0.565 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.7 | 48.23 | 47.7 | 48.23 | 48.23 | 48.23 | No | No | (No Data) | 5450.29 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 164 | XX | XX | XX | XX | XX | NC | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.0214 | No | No | 9.819 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6486.75 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 1500.00 | 0.8970 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 166 | XX | XX | XX | XX | XX | CA | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5008 | Yes | Yes | 1.261 | 1.261 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.24 | 30.42 | 35.24 | 30.42 | 30.42 | 30.42 | No | No | (No Data) | 18964.6 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 167 | XX | XX | XX | XX | XX | CA | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.1516 | No | No | 0.118 | 0.118 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.35 | 44.5 | 44.31 | 44.5 | 44.5 | 44.5 | Yes | Yes | Yes | 4783.23 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 1 months | Award Letter - 1 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 168 | XX | XX | XX | XX | XX | CA | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.5764 | No | No | 0.129 | 0.129 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.01 | 48.53 | 49.01 | 48.53 | 48.53 | 48.53 | No | No | (No Data) | 19665.68 | 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) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (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 | Written VOE - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 170 | XX | XX | XX | XX | XX | KS | QM: Safe Harbor (APOR) | No | Present | Non-QM: Lender documented all ATR UW factors | XX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6045 | Yes | Yes | 2.527 | 2.527 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 5.8 | 6.43 | 5.8 | 6.43 | 6.43 | 6.43 | No | No | (No Data) | 20592.6 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 171 | XX | XX | XX | XX | XX | FL | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.8556 | No | No | 4.337 | 4.337 | (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 | 44.4 | 44.4 | 44.4 | 44.4 | 44.4 | 44.4 | No | No | (No Data) | 6289.76 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 172 | XX | XX | XX | XX | XX | CA | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3414 | Yes | Yes | 0.082 | 0.082 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.37 | 42.04 | 42.37 | 42.04 | 42.04 | 42.04 | No | No | (No Data) | 17701.26 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | IRS Transcripts – Tax Return(s) - 24 months;<br> Offer Letter - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 174 | XX | XX | XX | XX | XX | WI | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7257 | Yes | No | 2 | (No Data) | 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) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 33.91 | 0 | 33.91 | 33.91 | 33.91 | (No Data) | (No Data) | (No Data) | 10654.42 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 24 | Yes | FMNA 1005 | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (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 - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XX |
| 176 | XX | XX | XX | XX | XX | CA | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4220 | Yes | Yes | 1.406 | 1.406 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.95 | 40.95 | 39.95 | 40.95 | 40.95 | 40.95 | No | No | (No Data) | 10677.25 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | Employment Authorization Document | (No Data) | (No Data) | (No Data) | XX |

---

<br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.5

**Exhibit 99.5 Schedule 3**

---

| | |
|:---|:---|
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | ***32*** |
| ***Loans with Conditions:*** | ***14*** |

---

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan Number** | **NRZ ID** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **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** | **Unique Id** |
| 64 | XX | XX | XX | IL | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) C | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing the Ability to Repay cert completed by underwriter | 10/27 Client provided the ATR Cert | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self employed for 13 years. | XX |
| 70 | XX | XX | XX | CA | (No Data) | ATR/QM: Exempt C | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Missing evidence of PITIA for new acquired REO property XX supporting mortgage debt $2530.95 | 10/08/2025 client provided a settlement statement for the property however this does not show the PITIA. Condition remains.10/8 Client asked for review: the Taxes and Insurance used are supported | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 8 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower FICO score is 786 max per guidelines is 720.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80% max per guidelines is 85%. | XX |
| 73 | XX | XX | XX | MI | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This Condition is informational per Clayton Compliance department and TRID 2.0 revisions. Condition satisfied. Final Grade A. | (No Data) | satisfied | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 10.90% max per guidelines is 50%. | XX |
| 73 | XX | XX | XX | MI | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) D | Credit | Legal Documents | Satisfied D A | CRDLGL100 | Legal document incorrect or incomplete | No | Missing sale contract addendum reflecting, sale price as XX. | 10/23 Client provided PP on signed contract | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 10.90% max per guidelines is 50%. | XX |
| 73 | XX | XX | XX | MI | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) D | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | 1. Missing Ability to Repay Underwriting Certification and 2. Borrower Affirmation if Information provided to Establish Ability to Repay (ATR) forms. 3. Missing reason why borrower choose No Qm when loan was approved DU eligible | 10/23 Client provided the ATR Cert and ATR establishment form; Still missing the reason NON QM loan was chosen with a DUAE approval10/XX/2025 client provided updated 1008 reflecting loan was chosen for Non-QM due to non warrantable condo. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 10.90% max per guidelines is 50%. | XX |
| 81 | XX | XX | XX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Need proof Revised LE dated 09/XX/2025 was received at least 1 day prior to the issue date of the Initial CD dated 09/XX/2025. | 10/22/25 Client provided the signed LE Acknowledgment of Receipt on 9/XX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 63.33% below guideline requirements of 70%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 4.79% below guideline requirement of 50%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 15.75 years | XX |
| 81 | XX | XX | XX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Provide a 3rd party valuation supporting the appraised value. | 10/XX/2025 client provided 2nd full appraisal. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 63.33% below guideline requirements of 70%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 4.79% below guideline requirement of 50%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 15.75 years | XX |
| 90 | XX | XX | XX | CA | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 68.15% below guideline requirements of 80%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 6 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current jobs of 12 years, 17 years and 13 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 39.71% below guideline requirement of 50% | XX |
| 95 | XX | XX | XX | CA | (No Data) | ATR/QM: Exempt C | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing a ATR cert signed by the underwriter | 10/8 Client provided the signed ATR CERT | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have excess reserves. Reserves required is $96,308.76 Verified reserves is $70,852.05<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have no late payments on the mortgage history | XX |
| 110 | XX | XX | XX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Provide the ATR Disclosure signed by borrowers. | 10/10 Client provided the executed ATR disclosure | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 75% below guideline requirements of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 37.38% below guideline requirement of 50%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 14.17 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 15.25 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 18 years | XX |
| 113 | XX | XX | XX | SC | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 11.8 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 18.5 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Required reserves are 3 months for the subject and 2 months for the additional REO plus 3 addn months for the DTI > 45%.n Reserves on hand are 109.59 months. | XX |
| 115 | XX | XX | XX | SC | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 41.95% below guideline requirement of 50%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Required reserves are 3 months for the subject property and 2 months each for the additional 2 REO's. Reserves on hand are 39.85 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 26 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 22.5 years | XX |
| 123 | XX | XX | XX | IL | (No Data) | ATR/QM: Exempt D C | Credit | Terms/Guidelines | Satisfied C A | CRDTER4631 | Loan parameters do not meet guidelines | No | Missing ATR certification signed by underwriter. | 10/23/2025 client provided ATR certification signed by underwriter. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80% max per guidelines is 85%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 37.92% max per guidelines is 45%. | XX |
| 123 | XX | XX | XX | IL | (No Data) | ATR/QM: Exempt D C | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value | 10/15/2025 client provided CDA. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80% max per guidelines is 85%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 37.92% max per guidelines is 45%. | XX |
| 137 | XX | XX | XX | GA | (No Data) | ATR/QM: Exempt C | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | The file is missing a Business Purpose Loan Cert signed by both borrowers | 10/03/2025 client provided Business Purpose Letter signed by borrowers | Condition satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have excess reserves of 68 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers have credit scores higher than the minimum required of 720 | XX |
| 139 | XX | XX | XX | CA | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Required reserves are 3 months for the subject and 2 months for the additional financed REO. Reserves on hand are 47.27 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 41 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 29.27% below guideline requirement of 50%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 15.08 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 21.75 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 25.75 years | XX |
| 142 | XX | XX | XX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 31 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 23.57% below guideline requirement of 50%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 5 years | XX |
| 143 | XX | XX | XX | VA | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 22% DTI 21% below the maximum guideline requirement of 43%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 801 credit score exceeds the 720 minimum guideline requirement by 81 points. | XX |
| 144 | XX | XX | XX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees not listed on Borrower final CD, however fees sourced on Seller CD. | (No Data) | Condition satisfied. | Numeric | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Rental payment history of 39 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 37.39% below guideline requirement of 50% | XX |
| 144 | XX | XX | XX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Ability to Repay/Qualified Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Provide the lender's QM determination | 10/13/2025 client provided ATR determination. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Rental payment history of 39 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 37.39% below guideline requirement of 50% | XX |
| 145 | XX | XX | XX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Terms/Guidelines | Satisfied C A | CRDTER4631 | Loan parameters do not meet guidelines | No | Missing ATR certification signed by credit UW. | 10/27 Client provided UW the ATR CERT | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 70% below guideline requirements of 75%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 43.14% below guideline requirement of 50% | XX |
| 147 | XX | XX | XX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 80% below guideline requirements of 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 34.85% below guideline requirement of 50%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 36 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 23.7 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 38 years | XX |
| 151 | XX | XX | XX | IL | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 75% below guideline requirements of 80%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 6.5 years | XX |
| 153 | XX | XX | XX | CA | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 69.03% max per guidelines is 80%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self-employed for 5 years. | XX |
| 154 | XX | XX | XX | TX | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 80 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 6.3 years | XX |
| 155 | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) D C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $557.40 for ten percent tolerance fees.Recording fees increased from $300 to $1320 on the Final CD dated 10/XX/2025. | 10/22/25 Client provided a 10/XX PCCD with reduced closing costs, including the Recording Fee. Condition remains. Provide the signed/stamped Final ALTA/Settlement Statement for review. Subject to re-testing. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 64 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 16.54% below guideline requirement of 50%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 6.83 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 8 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 15 years and 11 years respectively | XX |
| 155 | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) D C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID5107 | TRID - Seller CD not in file; need in order to complete fee entry | No | Missing Seller CD. | 10/22/25 Client provided the Seller CD. | Condition Satisfied. | Not Applicable | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 64 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 16.54% below guideline requirement of 50%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 6.83 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 8 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 15 years and 11 years respectively | XX |
| 155 | XX | XX | XX | CA | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) D C | Credit | Terms/Guidelines | Satisfied C A | CRDTER4631 | Loan parameters do not meet guidelines | No | Missing ATR certification signed by credit UW. | 10/22/2025 client provided ATR certification signed by credit UW. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 64 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 16.54% below guideline requirement of 50%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 6.83 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 8 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 15 years and 11 years respectively | XX |
| 161 | XX | XX | XX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 68 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 27.45% below guideline requirement of 50%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 9.5 years | XX |
| 163 | XX | XX | XX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 60 months exceeds guidelines of 12 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 7.25 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 17.08 years | XX |
| 164 | XX | XX | XX | NC | (No Data) | ATR/QM: Exempt D | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Obtain new insurance policy document. HOI policy is effective 9/XX/2025. Disbursement date was 9/XX/2025. | 10/10 Client provided insurance effective 9/XX | Satisfied | Not Applicable | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 57 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 5 years | XX |
| 164 | XX | XX | XX | NC | (No Data) | ATR/QM: Exempt D | Credit | Legal Documents | Satisfied D A | CRDLGL4033 | Missing Legal Document(s) | No | Missing Prepayment Penalty Addendum to the Note | 10/10 Client provided the executed PP addendum | Satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 57 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 5 years | XX |
| 166 | XX | XX | XX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 64.17% below guideline requirements of 85%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 33 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 30.42% below guideline requirement of 50%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 13.5 years | XX |
| 167 | XX | XX | XX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Ability to Repay/Qualified Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Missing Lender's ATR determination. | 10/14/2025 client provided ATR determination | Condition satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 799 credit score exceeds the 660 minimum guideline requirement by 139 points.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 47% LTV is 33% below the maximum guideline requirement of 80%. | XX |
| 167 | XX | XX | XX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Terms/Guidelines | Satisfied C A | CRDTER4631 | Loan parameters do not meet guidelines | No | Missing UCD report | 10/14/2025 client provided UCD report. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 799 credit score exceeds the 660 minimum guideline requirement by 139 points.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 47% LTV is 33% below the maximum guideline requirement of 80%. | XX |
| 168 | XX | XX | XX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Required reserves are 6 months for the subject and 2 months for the other financed REO. Reserves on hand are 109.99 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 43.96% below guideline requirements of 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 61 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 5.33 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 7.5 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 15.17 years | XX |
| 170 | XX | XX | XX | KS | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 50% below guideline requirements of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 6.43% below guideline requirement of 50%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 6.25 years | XX |
| 171 | XX | XX | XX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | Credit | Terms/Guidelines | Satisfied C A | CRDTER4631 | Loan parameters do not meet guidelines | No | Missing ATR certification signed by credit UW. | 10/27 Client provided the ATR Cert | Satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 75 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 44.40% below guideline requirement of 50%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 28.08 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 24 years | XX |
| 172 | XX | XX | XX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 69.50% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 54 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 42.04% below guideline requirement of 50%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 7.5 years | XX |
| 174 | XX | XX | XX | WI | (No Data) | ATR/QM: Exempt |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 33.91% below guideline requirement of 50%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 15 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 14.17 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 33.17 years | XX |
| 176 | XX | XX | XX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 70% below guideline requirements of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 40.95% below guideline requirement of 50%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 6 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 10 years | XX |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 4**

---

| | |
|:---|:---|
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |
| *Loans in Report:* | *32* |

---

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan Number** | **NRZ ID** | **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** | **Unique Id** |
| 64 | XX | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | No | Yes | 1695 | 8/14/2025 | 7.4536 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XX |
| 70 | XX | XX | ATR/QM: Exempt | No | XX | XX | No | No | 0 | 1/1/1900 | 6.6954 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XX |
| 73 | XX | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | No | Yes | 2888 | 8/20/2025 | 7.1861 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 | XX |
| 81 | XX | XX | QM: Safe Harbor (APOR) | No | XX | XX | No | Yes | 20235 | 8/21/2025 | 6.6939 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XX |
| 90 | XX | XX | ATR/QM: Exempt | No | XX | XX | No | No | 0 | 1/1/1900 | 7.0364 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XX |
| 95 | XX | XX | ATR/QM: Exempt | No | XX | XX | No | No | 0 | 1/1/1900 | 6.5177 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XX |
| 110 | XX | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | Yes | Yes | 1695 | 9/4/2025 | 6.5399 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XX |
| 113 | XX | XX | ATR/QM: Exempt | No | XX | Not Applicable | No | No | 0 | 1/1/1900 | 8.1009 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XX |
| 115 | XX | XX | ATR/QM: Exempt | No | XX | Not Applicable | Yes | No | 0 | 1/1/1900 | 7.7691 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XX |
| 123 | XX | XX | ATR/QM: Exempt | No | XX | Not Applicable | No | No | 0 | 1/1/1900 | 7.5004 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XX |
| 137 | XX | XX | ATR/QM: Exempt | No | XX | Not Applicable | No | No | 0 | 1/1/1900 | 7.1349 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XX |
| 139 | XX | XX | ATR/QM: Exempt | No | XX | XX | Yes | No | 0 | 1/1/1900 | 6.7781 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XX |
| 142 | XX | XX | Non-QM: Lender documented all ATR UW factors | No | XX | Not Applicable | No | No | 4723.69 | 9/24/2025 | 9.3058 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XX |
| 143 | XX | XX | ATR/QM: Exempt | No | XX | XX | No | No | 0 | 1/1/1900 | 6.6592 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XX |
| 144 | XX | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | Yes | Yes | 5269.95 | 9/18/2025 | 6.5681 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XX |
| 145 | XX | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | No | Yes | 5298.6 | 9/19/2025 | 7.7226 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XX |
| 147 | XX | XX | QM: Safe Harbor (APOR) | No | XX | XX | Yes | Yes | 1295 | 10/6/2025 | 6.6246 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XX |
| 151 | XX | XX | ATR/QM: Exempt | No | XX | Not Applicable | No | No | 0 | 1/1/1900 | 8.1864 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XX |
| 153 | XX | XX | ATR/QM: Exempt | No | XX | XX | No | No | 0 | 1/1/1900 | 6.432 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XX |
| 154 | XX | XX | ATR/QM: Exempt | No | XX | Not Applicable | No | No | 0 | 1/1/1900 | 7.0083 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XX |
| 155 | XX | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | No | Yes | 20534.95 | 9/22/2025 | 6.8713 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XX |
| 161 | XX | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | Yes | Yes | 4980.8 | 9/26/2025 | 7.5285 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XX |
| 163 | XX | XX | QM: Safe Harbor (APOR) | No | XX | XX | Yes | Yes | 1295 | 10/7/2025 | 7.0701 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XX |
| 164 | XX | XX | ATR/QM: Exempt | No | XX | XX | No | No | 0 | 1/1/1900 | 7.0214 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | XX |
| 166 | XX | XX | QM: Safe Harbor (APOR) | No | XX | XX | No | Yes | 12995 | 9/26/2025 | 6.5008 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XX |
| 167 | XX | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | No | Yes | 499.95 | 9/15/2025 | 6.1516 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 4493 | XX |
| 168 | XX | XX | QM: Safe Harbor (APOR) | No | XX | Not Applicable | No | Yes | 1695 | 9/29/2025 | 6.5764 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | XX |
| 170 | XX | XX | QM: Safe Harbor (APOR) | No | XX | XX | No | Yes | 3395 | 10/3/2025 | 6.6045 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XX |
| 171 | XX | XX | Non-QM: Lender documented all ATR UW factors | No | XX | Not Applicable | No | No | 11069.63 | 10/7/2025 | 8.8556 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XX |
| 172 | XX | XX | QM: Safe Harbor (APOR) | No | XX | XX | No | Yes | 1295 | 10/3/2025 | 6.3414 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | XX |
| 174 | XX | XX | ATR/QM: Exempt | No | XX | XX | No | No | 0 | 1/1/1900 | 7.7257 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | XX |
| 176 | XX | XX | QM: Safe Harbor (APOR) | No | XX | XX | Yes | Yes | 12876.25 | 10/9/2025 | 6.422 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 | XX |

---

<br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.5

**Exhibit 99.5 Schedule 5**

---

| | |
|:---|:---|
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |
| *Loans in Report* | *32* |

---

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan Number** | **NRZ ID** | **Borrower Last Name** | **Field** | **Tape Data** | **Reviewer Data** | **Unique Id** |
| 64 | XX | XX | XX | Origination Date | XX | XX | XX |
| 64 | XX | XX | XX | Property Type | SFR | 2 Family | XX |
| 70 | XX | XX | XX | Property Type | SFR | 3 Family | XX |
| 73 | XX | XX | XX | Combined LTV | 80.0000 | 88 | XX |
| 73 | XX | XX | XX | Original LTV | 80.0000 | 88 | XX |
| 81 | XX | XX | XX | Property Type | Detached PUD | Site Condo | XX |
| 115 | XX | XX | XX | Origination Date | XX | XX | XX |
| 123 | XX | XX | XX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) | XX |
| 139 | XX | XX | XX | Documentation Type | Alt Doc/Bank Statements | Full Doc | XX |
| 143 | XX | XX | XX | Documentation Type | Alt Doc/Bank Statements | Full Doc | XX |
| 145 | XX | XX | XX | Origination Date | XX | XX | XX |
| 147 | XX | XX | XX | Documentation Type | Alt Doc/Bank Statements | Full Doc | XX |
| 153 | XX | XX | XX | Debt to Income Ratio (Back) | 37.7480 | 33.6922 | XX |
| 155 | XX | XX | XX | Original Appraised Value | XX | XX | XX |
| 155 | XX | XX | XX | Seller Loan Number | XX | XX | XX |
| 164 | XX | XX | XX | Documentation Type | Alt Doc/Bank Statements | DSCR | XX |
| 166 | XX | XX | XX | Debt to Income Ratio (Back) | 35.2410 | 30.423 | XX |
| 168 | XX | XX | XX | Original Appraised Value | XX | XX | XX |
| 171 | XX | XX | XX | Debt to Income Ratio (Back) | 22.9710 | 44.3975 | XX |
| 172 | XX | XX | XX | Documentation Type | Alt Doc/Bank Statements | Full Doc | XX |
| 174 | XX | XX | XX | Property Type | SFR | 4 Family | XX |

---

©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.5

**Exhibit 99.5 Schedule 6**

---

| | |
|:---|:---|
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | ***32*** |
| ***Loans with Conditions:*** | ***14*** |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan Number** | **NRZ ID** | **Lender Application Date** | **Broker Application Date** | **Did Lender Acknowledge Exception at Origination** | **Unique ID** |
| 64 | XX | XX | XX | Not Applicable C | Not Applicable | XX |
| 70 | XX | XX | XX | XX C A | No | XX |
| 73 | XX | XX | XX | Not Applicable D | Not Applicable | XX |
| 81 | XX | XX | XX | XX D A C | Not Applicable | XX |
| 90 | XX | XX | XX | XX A | Not Applicable | XX |
| 95 | XX | XX | XX | XX C A | Not Applicable | XX |
| 110 | XX | XX | XX | Not Applicable C | Not Applicable | XX |
| 113 | XX | XX | XX | Not Applicable | Not Applicable | XX |
| 115 | XX | XX | XX | Not Applicable | Not Applicable | XX |
| 123 | XX | XX | XX | Not Applicable D C | Not Applicable | XX |
| 137 | XX | XX | XX | Not Applicable C | Not Applicable | XX |
| 139 | XX | XX | XX | XX A | Not Applicable | XX |
| 142 | XX | XX | XX | Not Applicable | Not Applicable | XX |
| 143 | XX | XX | XX | XX A | Not Applicable | XX |
| 144 | XX | XX | XX | Not Applicable C | Not Applicable | XX |
| 145 | XX | XX | XX | Not Applicable C | Not Applicable | XX |
| 147 | XX | XX | XX | XX A | Not Applicable | XX |
| 151 | XX | XX | XX | Not Applicable | Not Applicable | XX |
| 153 | XX | XX | XX | XX A | Yes | XX |
| 154 | XX | XX | XX | Not Applicable | Not Applicable | XX |
| 155 | XX | XX | XX | Not Applicable D C | Not Applicable | XX |
| 161 | XX | XX | XX | Not Applicable | Not Applicable | XX |
| 163 | XX | XX | XX | XX A | Not Applicable | XX |
| 164 | XX | XX | XX | XX D A | Not Applicable | XX |
| 166 | XX | XX | XX | XX A | Not Applicable | XX |
| 167 | XX | XX | XX | Not Applicable C | Not Applicable | XX |
| 168 | XX | XX | XX | Not Applicable | Not Applicable | XX |
| 170 | XX | XX | XX | XX A | Not Applicable | XX |
| 171 | XX | XX | XX | Not Applicable C | Not Applicable | XX |
| 172 | XX | XX | XX | XX A | Not Applicable | XX |
| 174 | XX | XX | XX | XX A | Not Applicable | XX |
| 176 | XX | XX | XX | XX A | Not Applicable | XX |

---

## Exhibit 99.6

**Exhibit 99.6**

![](ex99-6_001.jpg)

**NARRATIVE**

**NRMLT 2026-NQM2**

**By Canopy Financial Technology Partners LLC on January 21, 2026**

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

![](ex99-6_001.jpg)

**Description of Services**

Canopy Financial Technology Partners, LLC ("Canopy") performed certain due diligence services (the "Review) described below on Non-Agency Eligible Mortgage Loans ("Loans") backed by residential properties originated or acquired by Rithm Capital (the "Client") or its affiliated company. The Review was conducted in October 2025 via files imaged and provided by the Client for review.

The Review consisted of a population of one (1) loan with an aggregate principal balance of $1,048,000.

**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 and Kroll Bond Rating Agency

**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 |

---

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

![](ex99-6_001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Margin (ARM Loan) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Mortgage Origination Channel | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Interest Only Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Occupancy Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;Origination BK Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Originator QM Status | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Origination Foreclosure Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Prepayment Penalty Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43, Do not Apply Tolerance if DTI >= 43 and AUS = No |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Underwriting Guideline Product Name | &nbsp;&nbsp;No tolerance |

---

**Credit Underwriting**

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

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

· Assets and Reserves;

· DTI;

· DSCR;

· Gross Income;

· Housing history;

· Lien Position;

· Loan Purpose;

· LTV/CLTV;

· Monthly debt service;

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

![](ex99-6_001.jpg)

· 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

![](ex99-6_001.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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Social Security inconsistencies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Borrower name variations

· Employment:

· Licensing – reviewed NMLS data for:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Mortgage lender/originator

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Loan officer

· Occupancy:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Borrower address history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Subject property ownership history

· OFAC.

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

· Depository account statements;

· Gift funds;

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

· Stock or security account statements; and/or

· VOD's.

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

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

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

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

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

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

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

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

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

![](ex99-6_001.jpg)

**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.

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

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

![](ex99-6_001.jpg)

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

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

**Compliance Review**

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

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

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

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

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

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

![](ex99-6_001.jpg)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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 of the Structured Finance Association (SFA) TRID Compliance Review Scope
("TRID Grid 4.0");

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

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

![](ex99-6_001.jpg)

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

**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.

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

![](ex99-6_001.jpg)

· 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.

· 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.

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

![](ex99-6_001.jpg)

· 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

![](ex99-6_001.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

![](ex99-6_001.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, CU SCORES and FHLMC REPS and WARRANTS***

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

**Valuation Reconciliation Process:**

· If 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.

**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.

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

![](ex99-6_001.jpg)

---

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

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| **A** | The loan meets the published guidelines without any exceptions. The employment, income, assets, and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| **B** | 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. |
| **C** | 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. |
| **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** |
| **A** | 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. |
| **B** | The loan is in material compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. Client review required. |
| **C** | The loan violates one material law or regulation. The material disclosures are absent, or the legal documents do not accurately reflect the agreed upon loan terms or all required applicants did not execute the documents. |
| **D** | There was not sufficient documentation to perform a review, or the required legal documents were not furnished. |

---

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

![](ex99-6_001.jpg)

---

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

---

**FINDINGS SUMMARY**

**Summary Overview**

Canopy's review concluded the grading of the Credit, Property/Valuation, and Compliance sections. 0.00% (0 loans) have an overall grade of "A" and 100.00% (1 loan) has an overall grade of "B".

Canopy's review concluded a Credit grade of "A" for 0.00%, (0 loans) of mortgage loans reviewed, and 100.00% (1 loan) has a Credit grade of "B".

Canopy's review concluded a Compliance grade of "A" for 100.00%, (1 loan) 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%, (1 loan) 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

![](ex99-6_001.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;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &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;**1** | &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;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &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;**1** | &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;1 | &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;**1** | &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;1 | &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;**1** | &nbsp;&nbsp;**100.00%** |

---

**Additional Loan Summary Details**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | **Loan Count** | **% of Loans** | **Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1048000.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1048000.00** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | **Loan Count** | **% of Loans** | **Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1048000.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1048000.00** |

---

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

![](ex99-6_001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | **Loan Count** | **% of Loans** | **Original Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation—Proceeds used to pay off existing loans other than loans secured by real estate | 0 | 0.00% | $0.00 |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | 0 | 0.00% | $0.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi- Purpose/Unknown Purpose | 1 | 100.00% | $1048000.00 |
| &nbsp;&nbsp;First Time Home Purchase | 0 | 0.00% | $0.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | 0 | 0.00% | $0.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | 0 | 0.00% | $0.00 |
| &nbsp;&nbsp;**Total** | **1** | **100.00%** | **$1048000** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | **Loan Count** | **% of Loans** | **Original Balance** |
| &nbsp;&nbsp;120 Months | 0 | 0.00% | $0.00 |
| &nbsp;&nbsp;121 - 180 Months | 0 | 0.00% | $0.00 |
| &nbsp;&nbsp;181 - 240 Months | 0 | 0.00% | $0.00 |
| &nbsp;&nbsp;241 - 300 Months | 0 | 0.00% | $0.00 |
| &nbsp;&nbsp;301 - 360 Months | 1 | 100.00% | $1048000.00 |
| &nbsp;&nbsp;421 - 480 Months | 0 | 0.00% | $0.00 |
| &nbsp;&nbsp;**Total** | **1** | **100.00%** | **$1048000.00** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | **Loan Count** | **% of Loans** | **Original Balance** |
| &nbsp;&nbsp;Owner Occupied | 0 | 0.00% | $0.00 |
| &nbsp;&nbsp;Second Home | 0 | 0.00% | $0.00 |
| &nbsp;&nbsp;Investment Property | 1 | 100.00% | $1048000.00 |
| &nbsp;&nbsp;**Total** | **1** | **100.00%** | **$1048000.00** |

---

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

![](ex99-6_001.jpg)

**DATA COMPARISON RESULTS**

Of the one (1) mortgage loan file reviewed, one (1) unique loan (100.00% 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 <br> Discrepancy** | &nbsp;&nbsp;**Total Times <br> Compared** | &nbsp;&nbsp;**%<br> 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;1 | &nbsp;&nbsp;100.00% |

---

**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 99.6

**Exhibit 99.6 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Marketing ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 848 | XX |  | XX | XX | XX | 0 | XX | XX | XX | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Marketing ID** | **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** |
| 848 | 1025009127 |  | XX | XX | XX | 12 Month Bank Statement | Present | Yes |  |  |  |  |  |  |  |  |  | No |  | 0.8907 | 0 | 8981.64 | 8000 | 08-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0 |  |  |  |  |  |  |  |  | No | 0.7 | 1 | 1 | N/A | 83.72 | No |  |  | Vested Individual | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Marketing ID** | **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** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 848 | XX |  | XX D B A | Closed | FCRE7497 | 2025-10-22 20:11 | 2025-10-24 16:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved- - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Document Uploaded. Hello, please see attached, thank you - Seller-10/23/2025 <br> Open-Missing verification of taxes non-subject property XX - Due Diligence Vendor-10/23/2025 | Ready for Review-Document Uploaded. Hello, please see attached, thank you - Seller-10/23/2025<br>|  | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.34 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 83.72 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.19% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | XX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XX CA | Investment | Refinance | Cash Out - Other | N/A | N/A | XX |
| 848 | XX |  | XX D B A | Closed | FCRE1195 | 2025-10-22 20:47 | 2025-10-24 16:12 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Exception granted with supporting comp factors: Exception for Audited CLTV 80% granted. - Due Diligence Vendor-10/24/2025 <br>Ready for Review-Document Uploaded. Hello, please see attached, thank you - Seller-10/23/2025 <br>Open-Audited CLTV of 80% exceeds Guideline CLTV of 75% & no exception found - Due Diligence Vendor-10/23/2025 | Ready for Review-Document Uploaded. Hello, please see attached, thank you - Seller-10/23/2025<br>| Waived-Exception granted with supporting comp factors: Exception for Audited CLTV 80% granted. - Due Diligence Vendor-10/24/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.34 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 83.72 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.19% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | CALCULATED DTI IS LESS THAN THE GUIDELINE MAXIMUM BY FIVE PERCENT (5%) OR MORE<br> MONTHS RESERVES ARE GREATER THAN THE GUIDELINE MINIMUM BY SIX (6) OR MORE MONTHS<br> BORROWER 1 HAS STABLE JOB TIME OF FIVE (5) OR MORE YEARS AT CURRENT JOB | XX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XX CA | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | XX |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Marketing ID** | **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?** |
| 848 | XX | XX |  | XX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 188605.43 | N/A | Employed |  | No |  | Yes | Present |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 5**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Marketing ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** |
| 848 | XX |  | XX | Qualifying Total Debt Income Ratio | 24.19 | 22.68 |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 6**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Marketing ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 848 | XX |  | XX | XX D A B |

---